This home is in Fernandina Beach.

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Active

Active·117 days on market

85219 Champlain Drive

Fernandina Beach, FL 32034

$519,000$264/sqftEst. $2,762/moMLS# 2135995

Beds

Baths

1,964

Sq Ft

2018

Built

Garage

Yes

Pool

About this home

Fernandina Beach

Welcome home to this charming 3-bedroom, 2.5-bath beauty in Amelia Walk! From the moment you step inside, you'll love the easy flow and comfortable feel, with tile flooring throughout the main living areas and a convenient mudroom just off the garage to keep everything organized. The heart of the home is the bright and welcoming kitchen, featuring granite countertops, a farmhouse sink, stylish tile backsplash, and pendant lighting--perfect for everyday living and gathering with friends and family. Out back is where this home really shines! Relax on the screened-in lanai or step out into your own private backyard oasis. The spacious, fully fenced yard surrounds a sparkling pool framed by palm trees, creating the perfect spot to unwind or enjoy sunny Florida days. Additional highlights include energy-efficient solar panels, helping you save on utility costs while living comfortably. This home truly has that easy, laid-back Florida lifestyle you've been looking for.

Cost to own

Mortgage calculator

Home Price

$519,000

Down Payment: 20%

$103,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,622

Principal & Interest: $2,622

Est. Taxes & Insurance: $655

Estimated Total Monthly

$3,277

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,762

Property taxesest. at asking price, Nassau County$716

HOAbilled annually$7

Estimated total, before insurance$3,486/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$457,320	$248,535	—
2024	$441,885	$240,823	—
2023	$427,875	$232,352	—
2022	$342,405	$224,128	—
2021	$301,261	$216,144	—
2020	$246,466	$182,934	—

2025 property taxes (current owner): $7,857/yr

Estimated taxes if purchased at asking price: ~$8,600/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 2018)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,741 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History