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 North Hampton, Fernandina Beach — a golf community home on Amelia Island.

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Active

Active·45 days on market·North Hampton

85122 Sagaponack Drive

Fernandina Beach, FL 32034

$539,900$228/sqftEst. $2,773/moMLS# 2154308

Beds

Baths

2,373

Sq Ft

2005

Built

Garage

Pool

About this home

North Hampton

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.

Cost to own

Mortgage calculator

Home Price

$539,900

Down Payment: 20%

$107,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,773

Principal & Interest: $2,773

Property taxes (est.): $745

Insurance (est.): $360

Estimated Total Monthly

$3,878

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,773

Property taxesest. at asking price, Nassau County$745

HOAbilled semi-annually$219

Estimated total, before insurance$3,737/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
2024	$494,177	$0	—
2023	$478,137	$0	—
2022	$370,528	$0	—
2021	$279,016	$279,016	—
2020	$269,826	$269,826	—

Estimated taxes if purchased at asking price: ~$8,900/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 (2024), 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 2005)

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: ~1,658 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

Aug 19, 2026Price change$539,900−$10,000
Jul 8, 2026Listed$549,900

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

Features

Price$539,900

Price / Sq Ft$228

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)