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This home is in Fernandina Beach.

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Pending

Pending·46 days on market

85069 Champlain Drive

Fernandina Beach, FL 32034

$439,000$217/sqftEst. $2,259/moMLS# 2150649

Beds

Baths

2,022

Sq Ft

2007

Built

Garage

Pool

About this home

Fernandina Beach

Beautifully maintained and move-in ready! Roof replaced12/23, CDD's paid, this 3bed, 2bath home is ideally situated on a corner lot in sought-after Amelia Walk. Mature landscaping, a paver driveway, and attractive curb appeal create a welcoming first impression. Filled with natural light, the open family room features custom built-in bookshelves and a cozy fireplace. The kitchen offers maple cabinetry, quartz countertops, stainless steel appliances, ample storage, and counter seating. Formal living and dining rooms provide flexible space for entertaining, a home office, or everyday living. The spacious primary suite includes a tray ceiling, dual vanities, soaking tub, separate shower, and built-in vanity. Enjoy the large screened lanai with new pavers, ready for a future outdoor kitchen, overlooking the fenced backyard with room for a pool. Amelia Walk amenities and a convenient location near Amelia Island, downtown Fernandina Beach, shopping, dining, and JAX make this home a must-see

Cost to own

Mortgage calculator

Home Price

$439,000

Down Payment: 20%

$87,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,259

Principal & Interest: $2,259

Property taxes (est.): $606

Insurance (est.): $293

Estimated Total Monthly

$3,158

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,259

Property taxesest. at asking price, Nassau County$606

HOAbilled annually$4

Estimated total, before insurance$2,869/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

Year	Market value	Taxable value	Change
2025	$429,366	$250,409	—
2024	$413,443	$242,644	—
2023	$399,339	$234,120	—
2022	$319,415	$225,845	—
2021	$253,781	$203,781	—
2020	$235,242	$156,725	—

Estimated taxes if purchased at asking price: ~$7,300/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: material not specified — year not disclosed (home built 2007)

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: ~1,649 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