This home is in Fernandina Beach.

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Active

Active·77 days on market

85241 Sagamore Court

Fernandina Beach, FL 32034

$545,000$205/sqftEst. $2,901/moMLS# 2142581

Beds

Baths

2,660

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

*CDD FEE TO BE PAID OFF AT CLOSING BY SELLERS* Welcome to 85241 Sagamore Court-a beautifully crafted, coastal-inspired residence nestled in a quiet cul-de-sac within one of Fernandina Beach's most desirable communities, Amelia Walk. This 2022 home showcases a thoughtfully designed open-concept layout with soaring 10 foot ceilings, refined finishes, and natural light throughout. The chef's kitchen serves as the centerpiece of the home, featuring white quartz countertops, a spacious island, double wall ovens, and a walk-in pantry-seamlessly flowing into expansive living and dining areas designed for both everyday living and elevated entertaining. Multiple sliding glass doors extend the living space outdoors to a screened lanai and private fenced backyard, creating a true indoor-outdoor lifestyle. The spacious primary suite & additional bedrooms are complemented by spa-like bathrooms with floor-to-ceiling tile, while a 3-car garage and modern upgrades add both convenience & elegance

Cost to own

Mortgage calculator

Home Price

$545,000

Down Payment: 20%

$109,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,753

Principal & Interest: $2,753

Est. Taxes & Insurance: $688

Estimated Total Monthly

$3,441

*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$2,901

Property taxesest. at asking price, Nassau County$752

HOAbilled annually$7

Estimated total, before insurance$3,660/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

Last sold: $460,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$415,520	$357,052	—
2024	$400,592	$346,282	—
2023	$384,740	$334,740	—
2022	$65,000	$65,000	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $9,527/yr

Estimated taxes if purchased at asking price: ~$9,000/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 2022)

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

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 29, 2026Listed$545,000

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

Features

Price$545,000

Price / Sq Ft$205

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,660

Acres0.22 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address85241 Sagamore Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size9,583.2 sq ft

Parcel Number132N27072400270000

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Cable TV, Clubhouse, Dog Park, Fitness Center, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringWood

# of Stories1

LevelsOne

LaundryIn Unit