Single Family Residence in Villages of Woodbridge, Fernandina Beach · No CDD · Built 2022
Villages of Woodbridge · Fernandina Beach, FL 32034 · Nassau
Listing data updated September 21, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
1,732Sq Ft
2022Year Built
$264Per Sq Ft
Private pool2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
26% above
$/sq ft vs community
$264 here vs $210 median sold (12 mo)
Buyer leverage
Balanced market
31 days on market
5.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 21, 2026, 95148 COLNAGO Court in Villages of Woodbridge, Fernandina Beach is listed at $457,000 (1,732 sq ft, about $264 per sq ft). That is 22% above Villages of Woodbridge's median closed sale of $375,000 over the last 12 months (10 recorded sales). Per square foot it is above the community's recent $210/sq ft by about 26%. It has been 31 days on market. Listing facts: built in 2022, a private pool, HOA dues of $29/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 2022 · 4 yrs
1,732 sq ft of living area
2-car garage
Listed at $457,000 — recent neighborhood median sale price ~$375,000 (nearby sales; deemed reliable, not an appraisal)
31 days on market
HOA $29/mo (per listing)
School district: Schools Villages of Woodbridge is in the Nassau County SchoolCommunity built 2008–2024The Hidden Crab · 3 min driveEllianos Coffee · 4 min driveGoffinsville Nassau River Park · 6 min drive
Momentum Research · Villages of Woodbridge
Pricing & the Villages of Woodbridge market
How this home is priced against recent nearby sales, and where Villages of Woodbridge 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.
Property timeline
This home’s history
2022BuiltPer public record
Aug 22, 2026First trackedObserved at $457,000
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
$2,940/mo
Principal & interest $2,420/mo82%
Taxes $358/mo12%
Insurance $133/mo5%
HOA $29/mo1%
$2,940/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 $1,925/yr ($160/mo)
+$3,475 more each year
(+181%)
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
$197,531
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
43/100
Strongest on: Flood safety (90), Insurance cost (80)
0 limited50100 exceptional
43/100 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 $264/sq ft vs the community 12-month median $210/sq ft.
Affordability14
List price $457,000 vs the community median $375,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Market liquidity58
Community median 28 days on market, ~5.1 months of supply (12-month record).
Renovation upside10
From a 2022 build and $264/sq ft vs the community median $210/sq ft. Not a condition assessment.
Pricing power52
Recent sales closed at about 97.6% of original asking (~2.4% below). More room below asking generally favors buyers.
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
🟡 Balanced conditions around this listing. 5.1 months of supply in the surrounding market and 31 days on market for this home, against a 28-day area median.Days on market:this home 31Area median: 28 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 $264 per square foot, about 26% above the community’s $210 median. Villages of Woodbridge’s 12-month median sold price per square foot is $210. Confidence: Medium · 10 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.
71% of homes in Villages of Woodbridge are owner-occupied. An estimated 29% are non-owner-occupied, including 6% 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), 169 homes matched. Community-level context.
Recent Villages of Woodbridge sales closed near 97.6% 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 3 active listings in Villages of Woodbridge, no CDD assessment.
Updated September 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
COASTAL LIVING with exquisite features is what this home offers. Enjoy privacy, comfort, and true coastal living in the beautifully upgraded, nearly new 4 bedroom 2 bath ''pool'' home! Situated on a quiet street & nestled on a premium cul-de-sac lot, overlooking a private & peaceful preservation area.
The extended driveway provides additional parking, while the spacious screened, covered patio creates the perfect setting for morning coffee, outdoor dining or entertaining, or just relaxing! Just beyond the covered patio is an additional screened enclosure with safety entry that was designed to house an 8'x16' swim spa which can be used in the summer for cooling off AND in the winter with the upgraded heat pump for year round enjoyment! While you venture inside, you will be giddy over the stylish upgrades, with an open floor design, with plenty of space for entertaining, the kiddos, or furry family.
Primary suite has a spacious room with adjoining bath offering large shower and oversized vanity. The additional 3 bedrooms offer tons of uses & even has ample closet space. This is home is MUCH bigger than it appears, must see to appreciate!
Located just minutes from the beautiful, sprawling beaches of Amelia Island with all of it's charm! This is the true Florida lifestyle AND priced UNDER recent appraised value! Low HOA fees and NO CDD fess!
Sellers offering a 1 year home warranty with acceptable offer!
All 45 photos
Description provided by PALM III REALTY AND PROPERTY M 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$457,000
Bed / bath4 / 2
Living area1,732 sq ft
Year built2022
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #2161190
Listing status31 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~11 ft
Windstorm exposureModerate
CountyNassau
Area listings3 active · 2 under contract
Estimated first-year tax~$4,296/yr
CDD assessmentNone on record
HOA (per listing)$29/mo
Calculated estimates
Price per sq ft$264
Estimated monthly payment$2,940
Insurance (illustrative)$1k–$2k/yr
Messtimate range$355,060 – $365,452
Comparable-sales median$375,000
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.
$355,060the mess$365,452
Actual list price: $457,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 3% 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 & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $29/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: 31 days on market vs. a 28-day community median
3 active listings competing, 2 under contract
≈5.1 months of supply
7 closed here in the last 12 months
For reference, this home is listed at $457,000 ($264/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: 1,732 sq ft × $205–$211/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.
Keep looking
Similar homes for sale near Villages of Woodbridge
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 $457,000Momentum Realty · on market 31 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.)
~$4,296/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)
$1k–$2k/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
$29/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
~11 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?
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Listed by PALM III REALTY AND PROPERTY M · MLS # 2161190
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Market data · public records
Recent sales activity in Villages of Woodbridge
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 Villages of Woodbridge neighborhood guide for more.
Comparable sales found
5
Recent nearby closings in the data set.
Community median sale price
$375,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$210
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Villages of Woodbridge
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.
Jul 2026 · Builder
Wildlight subdivision advances in Yulee as the master-planned community expands
Rayonier's Wildlight master-planned community continued adding residential phases in Yulee in mid-2026, part of a long-range plan that pairs new housing with its commerce park and town center near Interstate 95.
Why it matters: Ongoing residential expansion at a large master-planned community adds new supply and amenities in the Yulee area, which can influence pricing and competition for nearby communities. The project is about 16 miles northwest of Villages Of Woodbridge, elsewhere in Nassau County.
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
Why it matters: A large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 5 miles southeast of Villages Of Woodbridge.
First Wildlight Commerce Park speculative building opens in Yulee
The first speculative building at Wildlight Commerce Park opened in March 2026, adding move-in-ready industrial and flex space to Rayonier's Wildlight community in Nassau County near Interstate 95 and A1A.
Why it matters: New employment and commerce space at Wildlight strengthens the live-and-work profile of the Interstate 95 and A1A area in Nassau County, a factor that can support nearby residential demand. The project is about 16 miles northwest of Villages Of Woodbridge, elsewhere in Nassau County.
JAXPORT details $250M Blount Island modernization and record cargo in 2026 State of the Ports
At its February 2026 State of the Ports address, JAXPORT outlined a $250 million modernization of Blount Island's container and vehicle-handling capabilities and reported record fiscal-2025 cargo volumes. The port also said an air-draft expansion to accommodate larger ships is on track to finish by the end of 2026.
Why it matters: Continued heavy investment in the Blount Island port complex anchors long-term industrial employment on the northeast side, a structural demand driver for the surrounding area. The site is about 5 miles southeast of Villages Of Woodbridge.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn Dixie 7 min
Dining
The Hidden Crab 3 min
Shopping
Villages of Amelia 8 min
Parks
Goffinsville Nassau River Park 6 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
Wildlight Elementary SchoolPublic PK-5 (Yulee-area; confirm by address) · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee Middle SchoolPublic 6-8 (zoned; confirm by address) · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Yulee High SchoolPublic 9-12 (zoned; confirm by address) · Nassau County School District · Grade A (Florida DOE 2025-26)
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 May 2026
$355,000
95140 VENTURES Court, Fernandina Beach
3 / 2 bd/ba · 1,733 sq ft · $205/sq ft
Courtesy of OFFERPAD BROKERAGE FL LLC · View details →
Sold Jul 2026
$382,500
95451 WOODBRIDGE Parkway, Fernandina Beach
4 / 2 bd/ba · 1,811 sq ft · $211/sq ft
Courtesy of DIAMOND REALTY GROUP OF AMELIA ISLAND · View details →
Sold Feb 2026
$302,000
95610 SONOMA Drive, Fernandina Beach
3 / 2 bd/ba · 1,825 sq ft · $165/sq ft
Courtesy of SUPREME PATH BROKERAGE LLC · View details →
Sold Nov 2025
$393,000
94968 COLNAGO Court, Fernandina Beach
4 / 3 bd/ba · 1,877 sq ft · $209/sq ft
Courtesy of FERNANDINA BEACH REALTY · View details →
Sold Oct 2025
$355,000
95292 COLLEGE Parkway, Fernandina Beach
3 / 2 bd/ba · 1,558 sq ft · $228/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Community 12-month median: $210/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$2,095 – $3,047/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$903 – −$46At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 95148 COLNAGO Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $29/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.
Listed living area is 1,732 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 $4,296/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 21, 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 95148 COLNAGO Court and when was it built?
Per the listing record, 95148 COLNAGO Court was built in 2022 and has 1,732 sq ft of living area, 4 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 95148 COLNAGO Court in?
95148 COLNAGO Court is in Villages of Woodbridge in Fernandina Beach, Nassau County. The community section on this page shows recent closed sales, days on market, and active inventory for Villages of Woodbridge from the same MLS data.
Does 95148 COLNAGO Court have an HOA, and how much are the dues?
The listing reports HOA dues of $29 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 95148 COLNAGO Court differ from the current owner's?
The estimate on this page (about $4,296 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 95148 COLNAGO Court 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 95148 COLNAGO Court 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.
