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85122 Sagaponack Drive, Fernandina Beach, FL 32034

$549,900

MLS# 2154308

Bedrooms

Bathrooms

2,373

Sq Ft

2005

Year Built

About This Home — 85122 Sagaponack Drive

Discover this beautifully updated 4-bedroom, 2.5-bathroom home in the desirable North Hampton community, where comfort, convenience, and coastal living come together. Designed with an open-concept layout, this home offers inviting spaces for both everyday living and entertaining. The kitchen features breakfast bar seating, a breakfast nook, and all-new appliances installed in 2025, creating a functional and stylish gathering space. A formal dining area provides the perfect setting for everyday meals or special occasions. The generous primary bedroom offers a private ensuite with a soaking tub, separate shower, and ample space to unwind. Three additional bedrooms provide flexibility for guests, a home office, hobbies, or other needs. Updated lighting fixtures and ceiling fans throughout enhance the home's modern appeal.

Features

Price$549,900

Price / Sq Ft$232

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,373

Acres0.25 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address85122 Sagaponack Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,890 sq ft

Parcel Number122N27146005440000

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Golf Course, Pickleball, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

SecuritySmoke Detector(s)

Exterior

Lot DescriptionWooded

Patio / PorchPatio, Screened

FencingFenced

RoofShingle

ConstructionFrame, Stucco

Additional Information

Date ListedJuly 8, 2026

Days on Market0

HOA Fees$1,312 / Semi-Annually

HOA FrequencySemi-Annually

HOA Fee IncludesCable TV, Internet

Tax Year2025

Listing TermsCash, Conventional, VA Loan

55+ CommunityNo

New ConstructionNo

Mortgage Calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,927

Principal & Interest: $2,927

Est. Taxes & Insurance: $732

Estimated Total Monthly

$3,658

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,927

Property taxesest. at asking price, Nassau County$756

HOAbilled semi-annually$219

Estimated total, before insurance$3,902/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.

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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.