This home is in Fernandina Beach.

1 / 46

Active

Active·45 days on market

34072 Lavender Parke Drive

Fernandina Beach, FL 32034

$598,000$284/sqftEst. $3,049/moMLS# 2149708

Beds

Baths

2,102

Sq Ft

2021

Built

Garage

Pool

About this home

Fernandina Beach

Stunning, well maintained home with $75K+ in upgrades! Just 5 years old, this open-concept home features a gourmet kitchen with center island, wine fridge, premium appliances, granite counters, and upgraded cabinetry throughout. Dining room boasts a wood-inlaid tray ceiling and custom built-ins. Living room showcases beamed ceilings, shiplap fireplace, and built-ins. Two front bedrooms share a bathroom. Fourth bedroom is an en-suite with walk-in closet. Spacious 15x20 master suite offers room for a sitting area. Side yard professionally done includes porcelain tile walkway, hot tub with power awnings, and large patio. Shed in back. Bonus upgrades: 3-stage water filtration, whole-house generator and separate well for irrigation with its own filter. 3 car garage has a new 18,000 BTU air conditioner/heater.

Cost to own

Mortgage calculator

Home Price

$598,000

Down Payment: 20%

$119,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,049

Principal & Interest: $3,049

Property taxes (est.): $826

Insurance (est.): $399

Estimated Total Monthly

$4,273

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,049

Property taxesest. at asking price, Nassau County$826

HOAbilled annually$40

Estimated total, before insurance$3,915/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,315/yr · $360/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	$452,677	$279,518	—
2024	$425,207	$270,933	—
2023	$399,677	$261,585	—
2022	$317,045	$252,510	—
2021	$45,000	$45,000	—
2020	$9,412	$9,412	—

2025 property taxes (current owner): $4,315/yr

Estimated taxes if purchased at asking price: ~$9,900/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 — 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 2021)

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: ~1,746 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 21, 2026Price change$598,000−$27,000
Jun 9, 2026Listed$625,000

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

Features

Price$598,000

Price / Sq Ft$284

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,102

Acres0.23 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address34072 Lavender Parke Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionFlora Parke

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,018.8 sq ft

Lot Dimensions70x141

Parcel Number262N28055702750000

ZoningPUD

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewGolf Course, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Marble, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

Spa FeaturesHeated, Above Ground, Private