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·38 days on market·North Hampton

85101 Sagaponack Drive

Fernandina Beach, FL 32034

$715,000$260/sqftEst. $3,676/moMLS# 2155818

Beds

Baths

2,755

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

North Hampton

Exquisite POOL HOME in the prestigious North Hampton Community, where timeless design, effortless indoor-outdoor living, and premier amenities create a truly distinctive lifestyle. Designed with Florida living in mind, the fully enclosed screened lanai with in-ground heated POOL and SPA serves as a private escape for morning coffee, afternoon swims, and easy entertaining. A dedicated pool bath, fenced side yard, and peaceful pond views complete this exceptional outdoor space. A double-door entry welcomes you into a light-filled foyer that opens to the home's expansive single-level floor plan. Formal living and dining areas offer a versatile space tailored to your lifestyle for a home office, playroom, or additional living room. The main living space features a cozy family room with gas fireplace and integrated surround sound, with a seamless connection to the breakfast area and kitchen with a large island, stainless steel appliances, and ambient cabinet lighting.

Cost to own

Mortgage calculator

Home Price

$715,000

Down Payment: 20%

$143,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,676

Principal & Interest: $3,676

Property taxes (est.): $987

Insurance (est.): $477

Estimated Total Monthly

$5,140

*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$3,676

Property taxesest. at asking price, Nassau County$987

HOAbilled annually$218

Estimated total, before insurance$4,881/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.

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: ~1,681 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

Jul 24, 2026Active$715,000
Jul 18, 2026Pending$715,000
Jul 17, 2026Listed$715,000

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

Features

Price$715,000

Price / Sq Ft$260

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,755

Acres0.33 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontYes

Community Information

Address85101 Sagaponack Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size14,374.8 sq ft

Parcel Number122N27146006050000

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Clubhouse, Golf Course, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryIn Unit

Spa FeaturesIn Ground, Private