Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Fernandina Beach — a home near Yulee High School.

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Active

Active·44 days on market

85257 Sagamore Court

Fernandina Beach, FL 32034

$459,000$203/sqftEst. $2,340/moMLS# 2151215

Beds

Baths

2,262

Sq Ft

2022

Built

Garage

Pool

About this home

Fernandina Beach

Located in peaceful cul-de-sac, this lovely 4 bedroom, 3 bath, 3 car garage home features open floor plan for easy entertaining. Large kitchen with 42'' white upper cabinets, gray quartz counter tops with island seating & extra storage, breakfast area and separate dining room. Family room is open and separates the primary suite, custom closet and bath with double vanities, separate bath, shower and water closet from two bedrooms with full bath in between. Front bedroom is private and has its own bath, great for guests or teen! Fenced in back yard is large with plenty of room for your own private pool.

Cost to own

Mortgage calculator

Home Price

$459,000

Down Payment: 20%

$91,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,340

Principal & Interest: $2,340

Property taxes (est.): $634

Insurance (est.): $306

Estimated Total Monthly

$3,280

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,340

Property taxesest. at asking price, Nassau County$634

HOAbilled annually$7

Estimated total, before insurance$2,981/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,536/yr · $711/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: $430,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$408,548	$253,004	—
2024	$394,291	$245,166	—
2023	$379,094	$236,569	—
2022	$65,000	$65,000	—
2021	$40,000	$40,000	—

2025 property taxes (current owner): $8,536/yr

Estimated taxes if purchased at asking price: ~$7,600/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.

Solar potential: ~1,737 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

Jun 18, 2026Listed$459,000

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

Features

Price$459,000

Price / Sq Ft$203

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,262

Total Structure Area2,282 sq ft

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address85257 Sagamore Court, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Dimensions143X65

Parcel Number132N27072400250000

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center

UtilitiesSewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Primary Bathroom -Tub with Separate Shower

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)