This home is in Fernandina Beach.

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Active

Active·47 days on market

95408 Woodbridge Parkway

Fernandina Beach, FL 32034

$549,000$208/sqftEst. $2,922/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, and Shaker cabinets in the kitchen and all baths. Turnkey features: all wall decor, custom drapes, and $10,000 worth of premium Levolor privacy shades. Luxury upgrades include a built-out coffee bar, a custom laundry room with 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 design

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,773

Principal & Interest: $2,773

Est. Taxes & Insurance: $693

Estimated Total Monthly

$3,466

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,922

Property taxesest. at asking price, Nassau County$758

HOAbilled annually$33

Estimated total, before insurance$3,713/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$9,100/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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History