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 waterfront home in Nassau County.

1 / 35

Active

Active·3 days on market

30607 Forest Parke Drive

Fernandina Beach, FL 32034

$480,000$179/sqftEst. $2,475/moMLS# 2158681

Beds

Baths

2,682

Sq Ft

2003

Built

Garage

Pool

About this home

Fernandina Beach

Spacious four-bedroom, three-bath, single-story brick home situated on an oversized pond-view lot in the desirable Flora Parke community of Fernandina Beach. The open, split-bedroom floor plan provides privacy between the sleeping quarters while offering generous living and entertaining spaces throughout. A dedicated office adds flexibility for working from home, studying, or creating a private retreat. The kitchen features stainless steel appliances, abundant cabinetry, and ample workspace. Every room is generously sized, including the expansive screened lanai overlooking the peaceful pond. The garage also offers additional storage for tools, recreational equipment, and everyday essentials. With its spacious layout, dedicated office, screened outdoor living area, and beautiful pond setting, this home offers buyers the flexibility to personalize the space to complement their individual style and needs.

Cost to own

Mortgage calculator

Home Price

$480,000

Down Payment: 20%

$96,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,475

Principal & Interest: $2,475

Property taxes (est.): $663

Insurance (est.): $320

Estimated Total Monthly

$3,458

*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$2,475

Property taxesest. at asking price, Nassau County$663

HOAbilled annually$40

Estimated total, before insurance$3,178/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.

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: material not specified — year not disclosed (home built 2003)

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: ~1,783 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