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.

1 / 32

Active

Active·45 days on market

23954 Flora Parke Boulevard

Fernandina Beach, FL 32034

$450,000$199/sqftEst. $2,294/moMLS# 2151117

Beds

Baths

2,264

Sq Ft

2000

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Motivated Sellers! Unlock the potential of this spacious POOL HOME just 7 miles from the beach! One of the LOWEST PRICED POOL HOMES IN THE COUNTY! Whether you're looking for your next investment, a renovation project, or a property with endless possibilities, this home is full of opportunity and comes w/ a 1 Year Home Warranty! Situated on nearly a quarter-acre lot, the backyard is the standout feature w/ a sparkling pool, extended screened lanai & fully fenced yard - an incredible space that adds lasting value. Inside, the flexible floor plan offers a formal dining room, dedicated office (or potential 5th bedroom), custom built-ins, and a cozy fireplace. Recent improvements include NEW kitchen appliances, NEW interior paint, NEW windows, NEW water heater, NEW flooring in the primary bath, and a 2019 roof. With great bones, desirable features, and a prime location in Flora Parke with LOW HOA and NO CDD fees, this property is ready for your vision and offers exceptional upside potential

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $621

Insurance (est.): $300

Estimated Total Monthly

$3,216

*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$2,294

Property taxesest. at asking price, Nassau County$621

HOAbilled annually$40

Estimated total, before insurance$2,956/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$435,250	$435,250	—
2024	$411,970	$169,861	—
2023	$390,327	$163,457	—
2022	$309,851	$157,240	—
2021	$260,960	$151,204	—
2020	$245,356	$148,426	—

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 — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,760 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