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This home is in Fernandina Beach — a home near Yulee High School.

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Active

Active·69 days on market

31177 Grassy Parke Drive

Fernandina Beach, FL 32034

$360,000$215/sqftEst. $1,856/moMLS# 2148631

Beds

Baths

1,673

Sq Ft

2004

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to 31177 Grassy Parke Drive, a low-maintenance, 4-sided brick home in Fernandina Beach's Flora Parke neighborhood. Offering 3 bedrooms, 2 bathrooms, and 1,673 square feet of comfortable living space, this move-in ready residence combines durability with practical updates. The major mechanical and structural maintenance has already been taken care of, featuring a new roof installed in June 2026, a new garage door system in 2026, an AC system replaced in 2020, a water heater installed in 2021, and replacement windows completed in 2019. These five recent upgrades give the next owner genuine peace of mind from day one. Inside, the open-concept layout creates an easy, functional flow for daily routines and quiet evenings alike. Outside, the fully fenced backyard includes a built-in fire pit, making it a welcoming spot to relax and enjoy North Florida evenings. Located just minutes from Fernandina Beach, local parks, and shopping centers, this home offers a solid foundation in a high

Cost to own

Mortgage calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,856

Principal & Interest: $1,856

Property taxes (est.): $497

Insurance (est.): $240

Estimated Total Monthly

$2,593

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,856

Property taxesest. at asking price, Nassau County$497

HOAbilled annually$39

Estimated total, before insurance$2,393/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,229/yr · $186/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

Year	Market value	Taxable value	Change
2025	$342,443	$134,820	—
2024	$321,490	$130,313	—
2023	$301,728	$125,061	—
2022	$244,028	$119,962	—
2021	$198,224	$115,012	—
2020	$185,143	$112,734	—

2025 property taxes (current owner): $2,229/yr

Estimated taxes if purchased at asking price: ~$6,000/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 — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone F

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

Roof: Shingle — year not disclosed (home built 2004)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,770 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

Price & status history

Jul 29, 2026Price change$360,000−$9,900
Jul 19, 2026Price change$369,900−$5,100
Jun 4, 2026Listed$375,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$360,000

Price / Sq Ft$215

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,673

Acres0.17 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address31177 Grassy Parke Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionFlora Parke

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size7,405.2 sq ft

Parcel Number252N28055001480000

Amenities

AmenitiesPlayground

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener, On Street

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Pantry

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit

FencingBack Yard

RoofShingle

ConstructionBrick

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJune 4, 2026

Days on Market55

HOA Fees$470 / Annually

HOA FrequencyAnnually

Tax Amount$2,228.97

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: MARSH LIFE REALTY, LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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