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This home is in Fernandina Beach.

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Active

Active·1 day on market

95332 Village Drive

Fernandina Beach, FL 32034

$539,900$253/sqftEst. $2,753/moMLS# 2158386

Beds

Baths

2,131

Sq Ft

2002

Built

Garage

Pool

About this home

Fernandina Beach

Marsh views complement this thoughtfully updated residence featuring an open-concept floor plan, fresh interior paint, and new luxury vinyl plank flooring throughout. The main living and dining areas offer a functional layout with flexible space for a variety of furniture arrangements. The updated kitchen features quartz countertops, stainless steel appliances, and cabinetry. The primary suite includes new carpeting, an updated ensuite bathroom with a garden tub and dual sinks, along with ample closet space. Additional bedrooms and bathrooms have been refreshed with updated finishes including new carpet. Exterior features include a rear yard with marsh views and space for outdoor use. The property is conveniently located near shopping, dining, major roadways, and local amenities.

Cost to own

Mortgage calculator

Home Price

$539,900

Down Payment: 20%

$107,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,753

Principal & Interest: $2,753

Property taxes (est.): $745

Insurance (est.): $360

Estimated Total Monthly

$3,858

*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$2,753

Property taxesest. at asking price, Nassau County$745

HOAbilled semi-annually$103

Estimated total, before insurance$3,601/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,999/yr · $750/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	$582,436	$582,436	—
2024	$567,012	$124,786	—
2023	$453,216	$118,239	—
2022	$367,282	$111,883	—
2021	$286,246	$105,712	—
2020	$267,095	$152,872	—

2025 property taxes (current owner): $8,999/yr

Estimated taxes if purchased at asking price: ~$8,900/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 2002)

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: ~1,816 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 August 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

Aug 3, 2026Listed$539,900

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

Features

Price$539,900

Price / Sq Ft$253

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,131

Acres0.13 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address95332 Village Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionThe Villages Of Marsh Lakes

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size5,662.8 sq ft

Parcel Number372N28227W00280000

Amenities

AmenitiesPool, Boat Launch, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewIntracoastal, Other

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup