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Active·Listed today

32424 Pond Parke Place

Fernandina Beach, FL 32034

$485,000$221/sqftEst. $2,519/moMLS# 2163619

Beds

Baths

2,191

Sq Ft

2006

Built

Garage

Pool

About this home

Fernandina Beach

Located on a cul-de-sac in Flora Parke, this beautifully maintained four-bedroom, two-bath home sits on a fenced 0.20-acre lot overlooking a wooded preserve. Inside, the thoughtful floor plan includes a formal dining room, dedicated office, and spacious family room with an electric fireplace. An oversized sliding door opens to an extended screened patio with a 16.5-by-7.5-foot swim spa, while the generous yard still offers room for a pool, playhouse, or other outdoor activities. The open kitchen is well suited to everyday living and entertaining, with granite countertops, a tile backsplash, breakfast bar, center island, and pantry. A split-bedroom layout adds privacy, and the laundry room is conveniently positioned near the garage and kitchen. A new roof installed in 2025 provides added peace of mind, located within a mile of your shopping and recreational needs, 9.8 miles from the beach, 8.7 miles to the historic district and all located within Nassau County in Fernandina Beach, FL

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$2,519

Principal & Interest: $2,519

Property taxes (est.): $670

Insurance (est.): $323

Estimated Total Monthly

$3,512

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$2,519

Property taxesest. at asking price, Nassau County$670

HOAbilled annually$41

Estimated total, before insurance$3,230/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,302/yr · $442/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): $5,302/yr

Estimated taxes if purchased at asking price: ~$8,000/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2025 per the listing

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

Solar potential: ~1,779 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

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

Sep 10, 2026Listed$485,000

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

Features

Price$485,000

Price / Sq Ft$221

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,191

Acres0.20 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address32424 Pond Parke Place, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionFlora Parke

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size8,712 sq ft

Parcel Number262N28055200240000

ZoningPUD

Amenities

AmenitiesBasketball Court, Park, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySmoke Detector(s), Other

Spa FeaturesHeated, Above Ground, Private