This home is in Fernandina Beach.

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Active

Active·333 days on market

85225 Sagamore Court

Fernandina Beach, FL 32034

$509,000$223/sqftEst. $2,587/moMLS# 2104924

Beds

Baths

2,282

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Discover your perfect retreat in this stunning 4-bed, 3-bath home featuring thoughtfully designed living space. The heart of this home showcases a gourmet kitchen equipped with a convenient double oven, .perfect for culinary adventures and holiday gatherings. The open floor plan flows seamlessly throughout, creating an inviting atmosphere for both daily living and entertaining guests. Step outside to your private oasis featuring an extended patio and beautifully fenced backyard, complete with an irrigation system to keep your landscaping pristine year-round. The included water softener ensures comfortable living, while the washer/dryer conveniently stay with the home. As a delightful bonus, permanent Christmas lights are already installed, making holiday decorating effortless and magical. Located in peaceful Fernandina Beach, you'll enjoy easy access to Goffinsville Nassau River Park for outdoor recreation, quality education at nearby Yulee High School! Come see this home today!

Cost to own

Mortgage calculator

Home Price

$509,000

Down Payment: 20%

$101,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,587

Principal & Interest: $2,587

Est. Taxes & Insurance: $647

Estimated Total Monthly

$3,234

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,587

Property taxesest. at asking price, Nassau County$703

HOAbilled annually$7

Estimated total, before insurance$3,297/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: $423,000 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$413,256	$356,031	—
2024	$399,005	$345,290	—
2023	$383,777	$333,777	—
2022	$65,000	$65,000	—
2021	$40,000	$40,000	—

2024 property taxes (current owner): $9,441/yr

Estimated taxes if purchased at asking price: ~$8,400/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 2022)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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 20, 2025Listed$509,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$509,000

Price / Sq Ft$223

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,282

Acres0.23 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85225 Sagamore Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionHampton Lakes

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,018.8 sq ft

Parcel Number132N27072400290000

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Park

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne