This home is in Fernandina Beach.

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Active

Active·91 days on market

85488 Sagaponack Drive

Fernandina Beach, FL 32034

$599,000$227/sqftEst. $3,188/moMLS# 2096612

Beds

Baths

2,644

Sq Ft

2006

Built

Garage

Pool

About this home

Fernandina Beach

Beautifully updated and move-in ready, this spacious 5BR/3.5BA home in North Hampton offers style, comfort, and a prime location. Recent 2023 upgrades include a new roof plus fresh interior and exterior paint. The open-concept layout features an electric fireplace, a downstairs primary suite, and a versatile bonus room ideal for an office, playroom, or media space. Enjoy a fully fenced backyard with a screened lanai and paver patio—perfect for relaxing or entertaining. North Hampton's resort-style amenities include a pool, clubhouse, tennis, pickleball, basketball, and The Outpost with a pavilion, dock, and kayak launch. Golfers will love having a course right in the neighborhood. Minutes to Amelia Island beaches, historic Fernandina, shopping, and top-rated schools, this home delivers luxury, location, and lifestyle.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,026

Principal & Interest: $3,026

Est. Taxes & Insurance: $756

Estimated Total Monthly

$3,782

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,188

Property taxesest. at asking price, Nassau County$827

HOAbilled semi-annually$219

Estimated total, before insurance$4,234/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $575,000 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$534,300	$282,609	—
2024	$515,067	$273,937	—
2023	$504,376	$242,609	—
2022	$394,680	$234,086	—
2021	$294,976	$225,812	—
2020	$285,624	$222,004	—

2024 property taxes (current owner): $4,439/yr

Estimated taxes if purchased at asking price: ~$9,900/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Hurricane evacuation zone E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: Shingle — year not disclosed (home built 2006)

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

Sewer · FL0116793 - Nassau Regional WWTF · Public water · JEA

County records show this parcel on central sewer served by FL0116793 - Nassau Regional WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,720 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History