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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Sold

Sold·Closed Apr 28, 2026·23 days on market·Recent sales in North Hampton·North Hampton

85113 Sagaponack Drive

Fernandina Beach, FL 32034

$540,000sold priceListed at $565,000 · 95.6% of asking$271/sqftMLS# 2133301
4
Beds
2
Baths
1,990
Sq Ft
2006
Built
2
Garage
No
Pool

7 more homes for sale in North Hampton →Search North Hampton on the map

HOA $219/mo12,632 sqft lotWaterfrontSingle Family Residence1 story

About this home

North Hampton

**Lender-Paid Incentive of 1% of loan amount toward discount points or closing costs (limited to max. allowable third party contributions) being offered through 3/31/2026** You'll want to see this immaculate, move-in ready single-story residence offering nearly 2,000 square feet of thoughtfully designed living space with tranquil water and nature views that create an atmosphere of serenity the moment you walk through the front door. Nestled within Lake View Preserve overlooking the water and adjacent to the 13th hole of the Arnold Palmer designed golf course, this home with priceless views, is a relaxing retreat for you to enjoy quiet mornings and spectacular sunsets. The yard has an irrigation system and room for a pool. Recent improvements ensure comfort and peace of mind, including: Roof (2021), Solar panels (2023), HVAC system (2024), New ductwork (2025), HEPA air filtration system, HQUA 5000E electronic water descaler, New gutters, garage door, stove, screened porch and more!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,991
Property taxesest. at asking price, Nassau County$745
HOAbilled semi-annually$219
Estimated total, before insurance$3,955/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,731/yr · $311/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$540,000
$108,000
Loan Term
Monthly Payment
$2,991
Principal & Interest: $2,991
Property taxes (est.): $746
Insurance (est.): $360
Estimated Total Monthly
$4,097
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,710 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,731/yr

Estimated taxes if purchased at asking price: ~$8,900/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, NEFMLS.

History

Price & status history

  • Mar 5, 2026Listed$565,000

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 $223/sq ft; this home is listed at $284/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2026$432,000$2143/22,022250.5
95338 Cornflower Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2026$411,000$2173/21,8961300.5
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.7
85219 Champlain Drive, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$475,000$2423/2.51,9641370.7
83519 Watkins Walk, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAJul 2026$392,000$2403/21,630200.7
95237 Periwinkle Place, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$410,000$1604/2.52,566430.8

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

Price$565,000
Price / Sq Ft$284
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,990
Acres0.29 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryYulee
MiddleYulee
HighYulee

Community Information

Address85113 Sagaponack Drive, Fernandina Beach, FL 32034
Area472-Oneil/Nassaville/Holly Point
SubdivisionNorth Hampton
CityFernandina Beach
CountyNassau
StateFL
Zip Code32034
Lot Size12,632.4 sq ft
Lot Dimensions65 X 95 X 65 X 94
Parcel Number122N27146006040000
ZoningPUD

Amenities

AmenitiesPool, Other, Barbecue, Basketball Court, Children's Pool, Clubhouse, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Fishing, Street Lights, Restaurant, Curbs
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewGolf Course, Pond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesOther
Lot DescriptionSprinklers In Front, Sprinklers In Rear, Other
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionFrame, Stucco
Road SurfacePaved

Additional Information

Date ListedMarch 5, 2026
Days on Market23
HOA Fees$1,312 / Semi-Annually
HOA FrequencySemi-Annually
HOA Fee IncludesInternet, Security
Tax Amount$3,730.68
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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