This home is in North Hampton, Fernandina Beach — a golf community home on Amelia Island.
Pending·244 days on market·North Hampton
85428 Sagaponack Drive
Fernandina Beach, FL 32034
7 more homes for sale in North Hampton →Search North Hampton on the map
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About this home
North Hampton
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! Priced to Sell!!
Next steps in North Hampton
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:28 AM, sunset 6:55 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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.
History
Price & status history
- Oct 1, 2026Pending$575,000
- 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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $231/sq ft; this home is listed at $216/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2026 | $432,000 | $214 | 3/2 | 2,022 | 25 | 0.4 |
| 85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $475,000 | $242 | 3/2.5 | 1,964 | 137 | 0.6 |
| 85002 Williston Court, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Aug 2026 | $458,000 | $230 | 3/2.5 | 1,987 | 133 | 0.6 |
| 85239 Champlain Drive, Fernandina Beach, FL 32034Listed by BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS | Jul 2026 | $670,000 | $231 | 4/3.5 | 2,904 | 5 | 0.6 |
| 85350 Fall River Parkway, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $685,000 | $247 | 3/2.5 | 2,770 | 77 | 0.6 |
| 95338 Cornflower Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Aug 2026 | $411,000 | $217 | 3/2 | 1,896 | 130 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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 →Keep looking
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Krista Fracke
Broker Associate
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