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This home is in Fernandina Beach.

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Active

Active·90 days on market

95408 Woodbridge Parkway

Fernandina Beach, FL 32034

$539,000$204/sqftEst. $2,771/moMLS# 2146209

Beds

Baths

2,640

Sq Ft

2018

Built

Garage

Pool

About this home

Fernandina Beach

Available FULLY FURNISHED--optional! Skip the wait and basic finishes of a new build. Step into this fully upgraded, professionally decorated 2018 former model home in Villages of Woodbridge--12 min to historic Fernandina & 15 min to beaches! This 5BD/3BA Moonstone II plan features 2,600+ sq ft with GE Profile appliances, quartz countertops, and Shaker cabinets in the kitchen and all baths. Turnkey features: all wall decor, custom drapes, and premium Levolor privacy shades. Luxury upgrades include a built-out coffee bar, a custom laundry room with new LG washer/dryer, built-in surround sound, and a mounted 86'' LG TV. Every bedroom features upgraded remote-controlled ceiling fans. Relax on the fully furnished, massive double-screened lanai with dual fans overlooking a fenced yard. Includes an Arlo doorbell cam and a finished garage. High efficiency with NO CDD fees and a low $32/mo HOA. Walk right into a fully loaded, move-in-ready designe

Cost to own

Mortgage calculator

Home Price

$539,000

Down Payment: 20%

$107,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,771

Principal & Interest: $2,771

Property taxes (est.): $744

Insurance (est.): $359

Estimated Total Monthly

$3,874

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,771

Property taxesest. at asking price, Nassau County$744

HOAbilled annually$33

Estimated total, before insurance$3,548/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$653/yr · $54/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $480,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$463,569	$0	—
2024	$436,833	$387,817	—
2023	$420,847	$352,561	—
2022	$352,236	$320,510	—
2021	$291,373	$291,373	—
2020	$292,270	$292,270	—

2025 property taxes (current owner): $653/yr

Estimated taxes if purchased at asking price: ~$8,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 2018)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,734 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History