Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in North Hampton, Fernandina Beach — a home near Yulee High School.

1 / 40

Active

Active·262 days on market·North Hampton

85575 Sagaponack Drive

Fernandina Beach, FL 32034

$775,000$210/sqftEst. $3,984/moMLS# 2121046

Beds

Baths

3,692

Sq Ft

2011

Built

Garage

Pool

About this home

North Hampton

Custom 5-Bed North Hampton stunner with pond views, soaring ceilings, and an in-law suite potential. Welcome to refined living in the prestigious North Hampton Golf Community. This custom-built 2011 residence offers 3,692 square feet of thoughtfully designed space, blending elegance with everyday comfort. Key features include 5 spacious bedrooms 4 full baths and 1 half bath. Each bedroom features its own en suite full bath for privacy. Hardwood and tile throughout the entire house. Primary suite plus 3 other bedrooms upstairs.; downstairs bedroom with adjacent flex space ideal for an in-law suite. It is also pre-plumbed for a kitchenette adding versatility for multi-generational living. The home sits on a corner lot with serene pond views. Open kitchen concept overlooking the family room with soaring ceilings. Downstairs also includes a laundry room, formal dining room and a formal living/office space. Oversized 2 car garage for ample storage. This is a must see!

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,984

Principal & Interest: $3,984

Property taxes (est.): $1,070

Insurance (est.): $517

Estimated Total Monthly

$5,571

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$3,984

Property taxesest. at asking price, Nassau County$1,070

HOAbilled semi-annually$205

Estimated total, before insurance$5,259/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,032/yr · $336/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, 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

Year	Market value	Taxable value	Change
2025	$673,420	$255,781	—
2024	$647,830	$247,865	—
2023	$625,009	$239,189	—
2022	$485,650	$230,766	—
2021	$360,175	$222,588	—
2020	$361,433	$218,824	—

2024 property taxes (current owner): $4,032/yr

Estimated taxes if purchased at asking price: ~$12,800/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: material not specified — year not disclosed (home built 2011)

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: ~1,618 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

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

Dec 10, 2025Listed$775,000

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

Features

Price$775,000

Price / Sq Ft$210

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,692

Acres0.39 acres

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85575 Sagaponack Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size16,988.4 sq ft

Parcel Number122N27146004810000

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Golf Course, Park, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryIn Unit