This home is in North Hampton, Fernandina Beach — a golf community home on Amelia Island.
Active·19 days on market·North Hampton
85488 Sagaponack Drive
Fernandina Beach, FL 32034
About this home
North Hampton
NEW ROOF + BOTH HVAC SYSTEMS REPLACED + EXTENSIVE UPDATES! This move-in-ready 5-bedroom, 3.5-bath North Hampton home offers approximately 2,644 SF, a desirable first-floor primary suite, flexible living space, and significant recent improvements inside and out. Major updates include a 30-year architectural shingle roof (2023), downstairs HVAC replaced June 2026, upstairs HVAC replaced July 2026, new carpeting throughout, and fresh interior and exterior paint. The spacious main living area features a custom built-in feature wall with electric fireplace, creating an inviting focal point for everyday living and entertaining. Thoughtful upgrades continue throughout the home, including built-in closet systems, a renovated powder bath with updated finishes and fixtures, and a decked attic above the garage providing valuable additional storage. AT&T Fiber has also been brought to the home.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: ~$9,600/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 — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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 homeAs of July 2026, 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
- Aug 24, 2026Price change$579,000−$16,000
- Aug 10, 2026Price change$595,000−$4,000
- Apr 15, 2026Listed$599,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About North Hampton
North Hampton is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.
View all North Hampton homes for sale →Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines