Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Pending

Pending·49 days on market

32165 Juniper Parke Drive

Fernandina Beach, FL 32034

$455,000$209/sqftEst. $2,320/moMLS# 2150512

Beds

Baths

2,180

Sq Ft

2015

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to this well-maintained 4-bedroom, 2-bath home in the desirable Flora Parke community. The split floor plan and bright, open layout offer both comfort and functionality for today's lifestyle. Recent major updates include a brand-new HVAC system, new carpet throughout, freshly painted exterior door, and a new water softener. Neutral interior tones create a clean, move-in-ready appeal. Enjoy peaceful pond views from the expansive 280 sq. ft. screened lanai. The home's 10-ft ceilings and custom kitchen add a touch of luxury, featuring granite countertops, a neutral tile backsplash, double oven, flat-top stove, and generous counter and cabinet space with a convenient island breakfast bar. An arched entryway leads to the primary suite, while French doors open to a versatile home office or flex room. Additional highlights include a continuously maintained termite and pest control plan, a well-kept lawn and landscaping, and wide scenic sidewalks .

Cost to own

Mortgage calculator

Home Price

$455,000

Down Payment: 20%

$91,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,320

Principal & Interest: $2,320

Property taxes (est.): $628

Insurance (est.): $303

Estimated Total Monthly

$3,251

*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$2,320

Property taxesest. at asking price, Nassau County$628

HOAbilled annually$40

Estimated total, before insurance$2,988/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,556/yr · $546/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	$440,746	$417,794	—
2024	$413,807	$379,813	—
2023	$388,737	$345,285	—
2022	$313,895	$313,895	—
2021	$257,383	$257,383	—
2020	$238,459	$123,846	▲ $2,100

2025 property taxes (current owner): $6,556/yr

Estimated taxes if purchased at asking price: ~$7,500/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 2015)

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

Sewer · FL0116793 - Nassau Regional WWTF (NassauCntyUtilsGDB) · Public water (record)

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

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

Solar potential: ~1,790 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 12, 2026Pending$455,000
Jun 13, 2026Listed$455,000

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

Features

Price$455,000

Price / Sq Ft$209

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,180

Total Structure Area2,458 sq ft

Acres0.34 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementarySouthside

MiddleFernandina Beach

HighFernandina Beach

Community Information

Address32165 Juniper Parke Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionFlora Parke

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size14,810.4 sq ft

Parcel Number262N28055401590000

ZoningPUD

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Hot Water

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecuritySecurity System Leased, Smoke Detector(s)