21 days on market (MLS)Single Family ResidenceNEWER BUILD
$475,000
5-Bedroom Home in Villages of Woodbridge
95402 Woodbridge Parkway, Fernandina Beach, FL 32034
Single Family Residence in Villages of Woodbridge, Fernandina Beach · No CDD on record · Built 2024
Villages of Woodbridge · Fernandina Beach, FL 32034 · Nassau County
Listing data updated October 1, 2026 · refreshed hourly
5Bedrooms
3Bathrooms
2,640Sq Ft
2024Year Built
$180Per Sq Ft
3-car garageNo CDD on record5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
14% below
$/sq ft vs community
$180 here vs $209 median sold (12 mo)
Buyer leverage
Seller-leaning
21 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 7 of 8
Price vs recent sales
Asking $475k tops 7 of the last 8 closed sales; also one of the largest homes here at 2,640 sq ft
As of October 1, 2026, 95402 WOODBRIDGE Parkway in Villages of Woodbridge, Fernandina Beach is listed at $475,000 (2,640 sq ft, about $180 per sq ft). That is 28% above Villages of Woodbridge's median closed sale of $370,000 over the last 12 months (11 recorded sales). Per square foot it is below the community's recent $209/sq ft by about 14%. It has been 21 days on market. Listing facts: built in 2024, HOA dues of $32/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
2,640 sq ft of living area
3-car garage
Listed at $475,000 — recent neighborhood median sale price ~$370,000 (nearby sales; deemed reliable, not an appraisal)
21 days on market
HOA $32/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
Listing description
About this home
EVERYTHING NEWPRIME LOCATION This NEWER BUILD (2024) home in the Villages of Woodbridge is immaculately maintained, where everything feels fresh and hardly used! Situated on a corner lot, this huge 5 bed/3 bath with over 2,600 sqft boasts an OPEN FLOOR PLAN filled with lots of light creating a bright, and welcoming atmosphere. Downstairs features stylish woodlike flooring, all main living spaces, a full bedroom and bathroom, and a kitchen with stainless steel appliances, a modern backsplash, and a huge food prep island.
Upstairs, find plush carpet, a primary suite with double vanities, a large walk-in shower, and a gigantic walk-in closet. Plus, a LOFT offering a FLEXIBLE BONUS SPACE. Enjoy tons of storage throughout, an expansive 3 car garage, and an incredible outdoor setup with a HUGE COVERED PATIO, partially fenced yard, and a LARGE BACKYARD and side yard!
Minutes from shopping, dining, easy commuting, and quick access to Amelia Island! Don't miss this gem! trees to the north, and a woodbury farm view from the second floor.
The home is equipped with a dual-zone Goodman HVAC system, with the upstairs unit likely installed in 2024.
All 63 photos
Description provided by CHAD AND SANDY REAL ESTATE GROUP and reproduced from the MLS; not independently verified.
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$475,000
Bed / bath5 / 3
Living area2,640 sq ft
Year built2024
Property typeSingle Family Residence
Garage3-car
MLS #2163572
Listing status21 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyNassau
Area listings2 active · 2 under contract
Estimated first-year tax~$5,650/yr
CDD assessmentNone on record
HOA$32/mo
Calculated estimates
Price per sq ft$180
Estimated monthly payment$3,170
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$370,000
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
Financing
Estimated monthly payment
$3,170/mo
Principal & interest $2,536/mo80%
Taxes $471/mo15%
Insurance $131/mo4%
HOA $32/mo1%
$3,170/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Nassau County rate (13.28 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $5,425/yr ($452/mo) — taxable value $408,644 × 13.28 mills
$225 more each year
(+4%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$55,722
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.
$464,366
Market value
$464,366
Assessed
$408,644
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Nassau County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$32/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Nassau County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Nassau County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Moderate
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Low
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
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
2024BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 21 cumulative days on market as of October 1, 2026
Sep 10, 2026First seen on movewithmomentum.comObserved at $475,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $475,000Momentum Realty · on market 21 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
3 closed sales in Villages of Woodbridge in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Feb 2026
$370,000
95426 WOODBRIDGE Parkway, Fernandina Beach
5 / 2.5 bd/ba · 2,640 sq ft · $140/sq ft
Courtesy of ALL FLORIDA PROPERTY GROUP INC · View details →
Sold Sep 2026
$355,000
95443 WOODBRIDGE Parkway, Fernandina Beach
5 / 2.5 bd/ba · 2,640 sq ft · $134/sq ft
Courtesy of OPENDOOR 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 →
Median of these 3 sales: $370,000 ($209/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
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.
$485,760the mess$617,760
Directional estimate — 3 comparable closed sales in Villages of Woodbridge, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $475,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $32/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 21 days on market vs. a 36-day community median
2 active listings competing, 2 under contract
≈3.0 months of supply
8 closed here in the last 12 months
For reference, this home is listed at $475,000 ($180/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 2,640 sq ft × $184–$234/sq ft (±12% around the median of 3 comparable closed sales in Villages of Woodbridge, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Scores
Momentum Property Score
52/100
Strongest on: Price vs area (85), Market liquidity (68)
0 limited50100 exceptional
52/100 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 area85
This home $180/sq ft vs the community 12-month median $209/sq ft.
Affordability3
List price $475,000 vs the community median $370,000. Not a measure of personal affordability.
Market liquidity68
Community median 36 days on market, ~3.0 months of supply (12-month record).
Pricing power53
Recent sales closed at about 97.4% of original asking (~2.6% below). More room below asking generally favors buyers.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.0 months of supply in the surrounding market and 21 days on market for this home, against a 36-day area median.Days on market:this home 21Area median: 36 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 30, 2026.
🟡 Asking $180 per square foot, about 14% below the community’s $209 median. Villages of Woodbridge’s 12-month median sold price per square foot is $209. Confidence: Medium · 11 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 97.4% 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 30, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Villages of Woodbridge, no CDD assessment.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CHAD AND SANDY REAL ESTATE GROUP · MLS # 2163572
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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.
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.
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.
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
Emma Love HardeeAssigned elementary school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina BeachAssigned middle school · Nassau County School District · Grade A (Florida DOE 2025-26)
GRADEA
Fernandina BeachAssigned 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 →
What's nearby
Drive times to everyday places
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
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 95402 WOODBRIDGE Parkway, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $32/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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.
Listed living area is 2,640 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 $5,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $225 more per year than the current owner’s estimated bill (+4%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, refreshed hourly (last: October 1, 2026)
Comparable sales
realMLS closed sales in Villages of Woodbridge, last 18 months, as of September 30, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
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 95402 WOODBRIDGE Parkway and when was it built?
Per the listing record, 95402 WOODBRIDGE Parkway was built in 2024 and has 2,640 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 95402 WOODBRIDGE Parkway in?
95402 WOODBRIDGE Parkway is in Villages of Woodbridge in Fernandina Beach, Nassau County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 95402 WOODBRIDGE Parkway have an HOA, and how much are the dues?
The listing reports HOA dues of $32 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 95402 WOODBRIDGE Parkway differ from the current owner's?
The estimate on this page (about $5,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $225 more per year than the current owner’s estimated bill (+4%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 95402 WOODBRIDGE Parkway in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 95402 WOODBRIDGE Parkway 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
