This home is in Fernandina Beach.

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Active Under Contract

Active Under Contract·56 days on market

86107 Remsenburg Drive

Fernandina Beach, FL 32034

$543,900$245/sqftEst. $2,895/moMLS# 2146198

Beds

Baths

2,223

Sq Ft

2003

Built

Garage

Pool

About this home

Fernandina Beach

Welcome to North Hampton living at its finest! This beautifully updated 5-bedroom, 3-bathroom Fernandina Beach home offers the perfect blend of comfort, style, and functionality in one of the area's most sought-after golf course communities. The spacious primarily single-level layout also includes a private bonus bedroom with ensuite bath above the garage, ideal for guests, a home office, or multi-generational living. Inside, enjoy fresh interior paint, new hardwood and tile flooring, and updated kitchen and bathrooms creating a light, modern, move-in ready feel. The open layout offers generous living spaces, abundant natural light, and seamless flow for entertaining. Outside, the oversized fully fenced backyard offers room for pets, play, gatherings, or a future pool. North Hampton amenities include a resort-style pool with splash zone, clubhouse, tennis, pickleball, basketball, soccer fields, playgrounds, golf, restaurant, plus low HOA fees including internet, cable, and security.

Cost to own

Mortgage calculator

Home Price

$543,900

Down Payment: 20%

$108,780

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,747

Principal & Interest: $2,747

Est. Taxes & Insurance: $687

Estimated Total Monthly

$3,434

*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$2,895

Property taxesest. at asking price, Nassau County$751

HOAbilled semi-annually$219

Estimated total, before insurance$3,864/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: $497,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$470,580	$285,986	—
2024	$454,613	$454,613	—
2023	$440,370	$298,607	—
2022	$338,453	$288,453	—
2021	$255,531	$255,531	—
2020	$246,253	$246,253	—

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: material not specified — 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: ~1,607 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