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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·119 days on market·North Hampton

86126 Remsenburg Drive

Fernandina Beach, FL 32034

$499,000$172/sqftEst. $2,565/moMLS# 2143055

Beds

Baths

2,908

Sq Ft

2003

Built

Garage

Pool

About this home

North Hampton

Welcome to the highly sought-after North Hampton Golf Club community, just minutes from the pristine beaches of Amelia Island--featuring a NEWER ROOF, NEWER HVAC, NEWER WATER HEATER, and a 1-YEAR HOME WARRANTY for added peace of mind. This beautifully updated home offers the perfect blend of comfort and style, with a spacious paved patio and fully fenced backyard ideal for entertaining, relaxing evenings, or pets to roam freely. Inside, enjoy a thoughtfully upgraded interior with durable luxury vinyl plank flooring, refreshed bathrooms with quartz countertops, and a stunning kitchen showcasing quartz surfaces, stainless steel appliances, modern backsplash, upgraded lighting, and custom blinds. The flexible floor plan includes a main-level bedroom and full bathroom with a walk-in shower--perfect for guests or multi-generational living. Upstairs, the primary suite serves as a true retreat with space for a sitting area, multiple walk-in closets for exceptional storage, and flexibility for

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,565

Principal & Interest: $2,565

Property taxes (est.): $689

Insurance (est.): $333

Estimated Total Monthly

$3,587

*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$2,565

Property taxesest. at asking price, Nassau County$689

HOAbilled semi-annually$205

Estimated total, before insurance$3,459/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,350/yr · $613/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).

Cost to own

Taxes & assessment

Last sold: $555,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$523,908	$468,422	▲ $3,580
2024	$501,034	$451,034	—
2023	$496,741	$446,741	—
2022	$399,041	$399,041	—
2021	$298,291	$298,291	—
2020	$279,495	$279,495	—

2025 property taxes (current owner): $7,350/yr

Estimated taxes if purchased at asking price: ~$8,300/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 2003)

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: ~1,677 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

May 1, 2026Listed$499,000

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

Features

Price$499,000

Price / Sq Ft$172

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,908

Acres0.18 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address86126 Remsenburg Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size7,840.8 sq ft

Lot Dimensions55 x 140

Parcel Number122N27146000210000

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Cable TV, Clubhouse, Golf Course, Management - Part Time, Pickleball, Playground, RV/Boat Storage, Security

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street, On Street, RV Access/Parking

ViewGolf Course

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Upper Level, Washer Hookup