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.

Active

Active·Listed today

95464 Woodbridge Parkway

Fernandina Beach, FL 32034

$389,900$250/sqftEst. $2,002/moMLS# 2161420

Beds

Baths

1,558

Sq Ft

2020

Built

Garage

Pool

About this home

Fernandina Beach

Looking for a beautiful, move-in ready home in Fernandina Beach? Sitting in the Villages of Woodbridge, this charming residence is ready for you! The floor plan is open, the rooms are spacious, the kitchen is terrific and the fenced back yard is a great retreat. Facing a preserve, you'll love the private feeling as you enjoy nature and unwind. Back inside, this home lives larger than its size of 1558 SF. The kitchen has a snack bar, offers lots of cabinetry and all appliances stay. Its quartz countertops are a wonderful upgrade. Another upgrade is the LVP that flows throughout the main living areas. The primary suite is at the back of the home and is separated from the guest bedrooms for privacy. Its walk-in closet & large shower are welcome amenities. Tucked around the corner from the living room is an office nook that's a welcome surprise. This home sits in a prime location for accessing the beaches of Amelia Island, historic Fernandina Beach, Kings Bay & Jacksonville. Hurry home.

Cost to own

Mortgage calculator

Home Price

$389,900

Down Payment: 20%

$77,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,002

Principal & Interest: $2,002

Property taxes (est.): $538

Insurance (est.): $260

Estimated Total Monthly

$2,801

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,002

Property taxesest. at asking price, Nassau County$538

HOAbilled annually$32

Estimated total, before insurance$2,573/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,511/yr · $293/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

2025 property taxes (current owner): $3,511/yr

Estimated taxes if purchased at asking price: ~$6,500/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 2020)

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

Solar potential: ~1,785 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 23, 2026Listed$389,900

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

Features

Price$389,900

Price / Sq Ft$250

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,558

Acres0.15 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address95464 Woodbridge Parkway, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionVillages of Woodbridge

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size6,534 sq ft

Parcel Number412N28114000320000

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup