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This home is in North Hampton, Fernandina Beach.

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Active Under Contract

Active Under Contract·100 days on market·North Hampton

86107 Remsenburg Drive

Fernandina Beach, FL 32034

$543,900$245/sqftEst. $2,796/moMLS# 2146198

Beds

Baths

2,223

Sq Ft

2003

Built

Garage

Pool

About this home

North Hampton

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: 6.66%

Loan Term

Monthly Payment

$2,796

Principal & Interest: $2,796

Property taxes (est.): $751

Insurance (est.): $363

Estimated Total Monthly

$3,910

*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$2,796

Property taxesest. at asking price, Nassau County$751

HOAbilled semi-annually$219

Estimated total, before insurance$3,766/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.

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

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