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This home is in North Hampton, Fernandina Beach — a golf community home on Amelia Island.

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Active

Active·186 days on market·North Hampton

862440 N Hampton Club Way

Fernandina Beach, FL 32034

$1,089,000$265/sqftEst. $5,599/moMLS# 2131531

Beds

Baths

4,111

Sq Ft

2007

Built

Garage

Pool

About this home

North Hampton

Welcome to Marsh View Estates in North Hampton--recently honored as ''Outstanding Community of the Year.'' This exceptional 5-bedroom, 3-bath home offers 4,111 square feet of timeless design and modern upgrades with expansive pond and preserve views. A soaring two-story entry with crystal chandelier opens to formal living and dining spaces framed by water vistas. The renovated gourmet kitchen features updated appliances, cabinetry, backsplash, and under-cabinet lighting, flowing seamlessly into the family room with walls of windows overlooking the preserve. The first-floor owner's suite offers lanai access and tranquil views. Upstairs includes three bedrooms, full bath, and bonus room. Recent upgrades include roof, HVAC, interior and exterior paint, paver drive and patio with firepit, landscape lighting, water softener, and smart-home features. Enjoy golf, pools, sport courts, amenities center, and the Outpost on Lofton Creek. HOA includes cable and internet.

Cost to own

Mortgage calculator

Home Price

$1,089,000

Down Payment: 20%

$217,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,599

Principal & Interest: $5,599

Property taxes (est.): $1,503

Insurance (est.): $726

Estimated Total Monthly

$7,828

*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$5,599

Property taxesest. at asking price, Nassau County$1,503

HOAbilled semi-annually$219

Estimated total, before insurance$7,321/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$740,382	$0	—
2024	$712,140	$0	—
2023	$686,852	$0	—
2022	$532,402	$0	—
2021	$406,946	$266,211	—
2020	$397,843	$261,845	—

Estimated taxes if purchased at asking price: ~$18,000/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 2007)

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: ~1,650 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

Jul 28, 2026Price change$1,089,000−$20,000
Feb 23, 2026Listed$1,109,000

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

Features

Price$1,089,000

Price / Sq Ft$265

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage4,111

Acres0.48 acres

Year Built2007

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address862440 N Hampton Club Way, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size20,908.8 sq ft

Parcel Number122N27146005240000

ZoningResidential

Amenities

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

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Protected Preserve, Trees/Woods, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level