32405 Sunny Parke Drive, Fernandina Beach, FL 32034
Single Family Residence in Flora Parke, Fernandina Beach · No CDD
Flora Parke · Fernandina Beach, FL 32034 · Nassau
Listing data updated September 20, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,937Sq Ft
2012Year Built
$286Per Sq Ft
WaterfrontPrivate pool2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
32% above
$/sq ft vs community
$286 here vs $216 median sold (12 mo)
Buyer leverage
Buyer advantage
98 days on market
4.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~30 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 20, 2026, 32405 SUNNY PARKE Drive in Flora Parke, Fernandina Beach is listed at $554,900 (1,937 sq ft, about $286 per sq ft). That is 16% above Flora Parke's median closed sale of $480,000 over the last 12 months (30 recorded sales). Per square foot it is above the community's recent $216/sq ft by about 32%. It has been 98 days on market, longer than the community's typical 43 days to contract. Listing facts: built in 2012, a private pool, waterfront, HOA dues of $40/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2012 · 14 yrs
1,937 sq ft of living area
2-car garage
Listed at $554,900 — recent neighborhood median sale price ~$480,000 (nearby sales; deemed reliable, not an appraisal)
98 days on market
HOA $40/mo (per listing)
School district: Schools Flora Parke is in the Nassau County SchoolCommunity built 2000–2021Ellianos Coffee · 8 min driveShucker's Oyster Bar and Grill · 10 min driveVillages of Amelia · 10 min drive
Momentum Research · Flora Parke
Pricing & the Flora Parke market
How this home is priced against recent nearby sales, and where Flora Parke has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Flora Parke
Each dot is a closed sale since 2003 (721 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $286/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 23 (cold).
Property timeline
This home’s history
2012BuiltPer public record
Jul 2, 2026First trackedObserved at $559,900
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,613/mo
Principal & interest $2,939/mo81%
Taxes $435/mo12%
Insurance $200/mo6%
HOA $40/mo1%
$3,613/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Estimated from today’s asking price and current Nassau County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,900/yr ($408/mo)
+$1,800 more each year
(+37%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$61,983
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
51/100
Strongest on: Flood safety (95), Insurance cost (77)
0 limited50100 exceptional
51/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $286/sq ft vs the community 12-month median $216/sq ft.
Affordability24
List price $554,900 vs the community median $480,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~30 ft elevation. Verify the parcel with FEMA.
Insurance cost77
From FEMA Zone X and a 2012 build. Obtain a property-specific quote.
Market liquidity58
Community median 43 days on market, ~4.1 months of supply (12-month record).
Renovation upside15
From a 2012 build and $286/sq ft vs the community median $216/sq ft. Not a condition assessment.
Pricing power59
Recent sales closed at about 96.3% of original asking (~3.7% below). More room below asking generally favors buyers.
Market timing77
Momentum Market Heat is 23/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 4.1 months of supply in the surrounding market and 98 days on market for this home, against a 43-day area median.Days on market:this home 98Area median: 43 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 20, 2026.
🟡 Asking $286 per square foot, about 32% above the community’s $216 median. Flora Parke’s 12-month median sold price per square foot is $216. Median sold price per square foot is down 8.1% year over year. Confidence: Very High · 30 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
77% of homes in Flora Parke are owner-occupied. An estimated 23% are non-owner-occupied, including 10% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 227 homes matched. Community-level context.
Recent Flora Parke sales closed near 96.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 10 active listings in Flora Parke, no CDD assessment.
Updated September 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this beautifully updated pool home featuring 3 Bedrooms, 2 Bathrooms, and a private office. The bright, open floor plan showcases numerous modern upgrades, including a brand new AC Unit, new flooring throughout, an updated kitchen with white shaker cabinetry, stylish lighting fixtures, and refreshed bath finishes. The primary bath features a sleek glass shower enclosure for a contemporary touch.
Step outside to the screened porch and enjoy peaceful views of the saltwater in-ground pool and pond, creating the perfect setting for relaxation or entertaining. Conveniently located near shopping, dining, beaches and entertainment. This move-in-ready home offers the ideal combination of comfort, style and location.
All 22 photos
Description provided by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$554,900
Bed / bath3 / 2
Living area1,937 sq ft
Year built2012
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #2150529
Listing status98 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~30 ft
Windstorm exposureModerate
CountyNassau
Area listings10 active · 0 under contract
Estimated first-year tax~$5,216/yr
CDD assessmentNone on record
HOA (per listing)$40/mo
Calculated estimates
Price per sq ft$286
Estimated monthly payment$3,613
Insurance (illustrative)$2k–$4k/yr
Messtimate range$375,778 – $461,006
Comparable-sales median$480,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$375,778the mess$461,006
Actual list price: $554,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 23% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $40/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 98 days on market vs. a 43-day community median
10 active listings competing
≈4.1 months of supply
29 closed here in the last 12 months
For reference, this home is listed at $554,900 ($286/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,937 sq ft × $194–$238/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 20, 2026.
Keep looking
Similar homes for sale near Flora Parke
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $554,900Momentum Realty · on market 98 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,216/yr
A rough first-year estimate only, applying a typical Nassau rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$40/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~30 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 32405 SUNNY PARKE Drive?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY · MLS # 2150529
Request a showing
Market data · public records
Recent sales activity in Flora Parke
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Flora Parke neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$480,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$216
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Flora Parke
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Retail Dining
New Publix on Sadler Road sets July opening date
The rebuilt Publix at 1421 Sadler Road in the Island Walk Shopping Center is scheduled to open Thursday, July 2, 2026, replacing the store that closed at the location in spring 2025. The opening follows a stretch when two of the island's three grocery stores were shut for renovations at the same time. The new store is reported to include a Publix Pours beer and wine bar plus an expanded deli menu.
Why it matters: A modern anchor grocery roughly two miles from Flora Parke could improve everyday convenience along the Sadler Road corridor and may support nearby retail foot traffic.
Riverfront commercial concept called Amelia River Wharf shown to city board
A preliminary concept for an approximately 26,400 square foot restaurant and retail project on a long-vacant North Front Street parcel was presented to the Fernandina Beach Waterfront Advisory Board in early 2026. The early design includes two restaurant levels, retail space, elevated waterfront walkways, and a marine welcome station feature. The owner would still need numerous historic, city, and state and federal permits before any construction.
Why it matters: If it advances, a sizable new downtown waterfront destination could reshape the historic district that island homeowners use, though the timeline remains uncertain at the concept stage.
The city of Fernandina Beach held a grand opening on April 11, 2026 for the new Amelia River Waterfront Park along the harbor marina's south basin near city parking lots C and D. Features include a pavilion, restrooms, a play structure, benches, lighting, and a relocated anchor and shrimping industry monument. The park had been under construction for more than a year.
Why it matters: A finished downtown riverfront park adds a public amenity within the historic district that island homeowners frequent, and historically new civic parks can support nearby property appeal.
Paid parking enforcement started February 16, 2026 in the downtown historic district, charging $2 per hour plus fees after free periods, with a 30-day warning grace period. The zone runs from Ash Street to Alachua Street and Front Street to 8th Street, and residents inside the area can register vehicles for permits. A charter amendment referendum on the policy was scheduled for August.
Why it matters: New downtown parking costs and an unresolved referendum could change how island residents and visitors use the historic district, and the outcome may shape downtown commercial activity.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 11 min
Dining
Shucker's Oyster Bar and Grill 10 min
Shopping
Villages of Amelia 10 min
Parks
Kids can be kids 18 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Nassau County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
YuleeAssigned elementary school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
YuleeAssigned middle school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
YuleeAssigned high school · Nassau County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jul 2026
$333,300
23999 CREEK PARKE Circle, Fernandina Beach
3 / 2 bd/ba · 1,839 sq ft · $181/sq ft
Courtesy of SUMMER HOUSE REALTY · View details →
Sold Apr 2026
$545,000
23501 FLORA PARKE Boulevard, Fernandina Beach
3 / 2 bd/ba · 2,091 sq ft · $261/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Sold May 2026
$415,000
24048 CREEK PARKE Circle, Fernandina Beach
4 / 2 bd/ba · 2,138 sq ft · $194/sq ft
Courtesy of PALM III REALTY AND PROPERTY M · View details →
Sold Aug 2026
$450,000
32165 JUNIPER PARKE Drive, Fernandina Beach
4 / 2 bd/ba · 2,180 sq ft · $206/sq ft
Courtesy of BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · View details →
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Community 12-month median: $216/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,543 – $3,699/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,141 – −$100At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 32405 SUNNY PARKE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2012: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $40/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Nassau County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 1,937 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $5,216/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 20, 2026)
Community market stats
realMLS closed sales, as of September 20, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 32405 SUNNY PARKE Drive and when was it built?
Per the listing record, 32405 SUNNY PARKE Drive was built in 2012 and has 1,937 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 32405 SUNNY PARKE Drive in?
32405 SUNNY PARKE Drive is in Flora Parke in Fernandina Beach, Nassau County. The community section on this page shows recent closed sales, days on market, and active inventory for Flora Parke from the same MLS data.
Does 32405 SUNNY PARKE Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $40 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 32405 SUNNY PARKE Drive differ from the current owner's?
The estimate on this page (about $5,216 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 32405 SUNNY PARKE Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 32405 SUNNY PARKE Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
