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 golf community home on Amelia Island.

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Active

Active·198 days on market·North Hampton

85428 Sagaponack Drive

Fernandina Beach, FL 32034

$575,000$216/sqftEst. $2,956/moMLS# 2121458

Beds

Baths

2,657

Sq Ft

2006

Built

Garage

Pool

About this home

North Hampton

Priced to Sell!! This Fernandina Beach home offers 4 bedrooms, 3 full baths, a 3-car garage, and nearly 2,700 square feet in the desirable North Hampton community. Situated on a private, fenced conservation lot with mature landscaping, this single-story home features a split floor plan, soaring cathedral ceilings, crown molding, luxury vinyl plank flooring, updated fixtures, and spacious living areas. The remodeled kitchen boasts quartz countertops, an oversized island with auxiliary ice maker, additional storage, and stainless steel appliances. Enjoy over 500 square feet of outdoor living on the expansive paver patio with a mounted TV. Recent updates include a new roof (2022), exterior paint (2025), and water heater (2026). Community amenities include a resort-style pool, clubhouse, sports courts, boat/RV storage, The Outpost on Lofton Creek, and an Arnold Palmer-designed golf course. No CDD fees and financing incentive available!

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,956

Principal & Interest: $2,956

Property taxes (est.): $794

Insurance (est.): $383

Estimated Total Monthly

$4,133

*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$2,956

Property taxesest. at asking price, Nassau County$794

HOAbilled semi-annually$219

Estimated total, before insurance$3,969/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,071/yr · $339/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	$539,745	$254,818	—
2024	$520,430	$246,929	—
2023	$503,201	$238,281	—
2022	$393,127	$229,884	—
2021	$290,423	$221,732	—
2020	$281,262	$217,980	—

2025 property taxes (current owner): $4,071/yr

Estimated taxes if purchased at asking price: ~$9,500/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 — 2022 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: ~1,575 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

Aug 6, 2026Price change$575,000−$25,000
Jul 13, 2026Price change$600,000−$10,000
Feb 12, 2026Listed$610,000

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

Features

Price$575,000

Price / Sq Ft$216

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,657

Total Structure Area3,041 sq ft

Acres0.23 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesWest

Community Information

Address85428 Sagaponack Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,018.8 sq ft

Lot Dimensions65x161x67x146

Parcel Number122N27146005660000

ZoningPUD

Amenities

AmenitiesPool, Other, Barbecue, Basketball Court, Boat Dock, Cable TV, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Pickleball, Playground, RV/Boat Storage, Shuffleboard Court, Storage, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, HVAC, Insulation, Roof, Thermostat, Windows

ParkingAttached, Garage, Garage Door Opener, Off Street, RV Access/Parking

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Laminate, Tile, Vinyl

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

Security24 Hour Security, Carbon Monoxide Detector(s), Closed Circuit Camera(s), Entry Phone/Intercom, Security Lights, Smoke Detector(s)