This home is in Fernandina Beach.

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Active

Active·81 days on market

862439 N Hampton Club Way

Fernandina Beach, FL 32034

$1,195,000$326/sqftEst. $6,360/moMLS# 2141935

Beds

Baths

3,670

Sq Ft

2013

Built

Garage

Pool

About this home

Fernandina Beach

One of the best views in North Hampton. Custom-built concrete block home with 3,670 sq. feet, offering durability and energy efficiency rarely found in this segment. Freshly painted, newer AC units, new cooktop 2025, new master bath fixtures and shower tile 2026. Absolutely one of the most desirable lots with breathtaking views of the marsh and tidal creek. Functional split-bedroom layout with primary suite on one wing and 2 guest bedrooms opposite on the main level. Total 4 BR/3.5 Baths. Interior features include engineered hardwood floors, tile, upgraded millwork, carpet upstairs, and a fireplace. Upstirs adds bonus room, bedroom, full bath, open screened lanai, plus large walk-in storage room. Expanded 2 plus car garage provides added capacity. Key differentiator expansive marsh & tidal creek views with natural privacy-an increasingly rare lot feature. Outdoor space includes pavered lanai and fire pit, oriented to maximize the view.

Cost to own

Mortgage calculator

Home Price

$1,195,000

Down Payment: 20%

$239,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,036

Principal & Interest: $6,036

Est. Taxes & Insurance: $1,509

Estimated Total Monthly

$7,545

*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$6,360

Property taxesest. at asking price, Nassau County$1,650

HOAbilled semi-annually$219

Estimated total, before insurance$8,229/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	$769,572	$474,129	—
2024	$694,020	$460,059	—
2023	$668,940	$445,203	—
2022	$573,627	$430,780	—
2021	$469,298	$416,777	—
2020	$480,635	$410,332	—

2025 property taxes (current owner): $7,438/yr

Estimated taxes if purchased at asking price: ~$19,800/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 2013)

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: ~1,591 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

Price & status history

Apr 25, 2026Listed$1,195,000

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

Features

Price$1,195,000

Price / Sq Ft$326

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,670

Acres0.40 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address862439 N Hampton Club Way, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size17,424 sq ft

Parcel Number122N27146004870000

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

Water SourcePublic

ParkingGarage

ViewWater

Waterfront TypeCreek, Marsh

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level