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 gated community home on Amelia Island.

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Active

Active·Listed today

85030 Champlain Drive

Fernandina Beach, FL 32034

$499,000$162/sqftEst. $2,568/moMLS# 2160043

Beds

Baths

3,071

Sq Ft

2008

Built

Garage

Pool

About this home

Fernandina Beach

Priced to move, this lakefront beauty in Amelia Walk is ready for its next chapter. Wide-open lake views set the tone from the moment you walk in, flowing through an open-concept layout where the gourmet kitchen, bathed in natural light, overlooks the family room and makes everyday living feel effortless. Retreat to the first-floor primary suite, complete with his-and-her closets and vanities for a true owners' getaway. A formal dining room and a dedicated flex space just off the foyer round out the main level, ideal for a home office, study, or whatever your lifestyle calls for. Upstairs, a spacious bonus room joins four additional bedrooms and two full baths, giving everyone room to spread out. Thoughtful design and custom touches carry through every corner of this home, from generous storage to quality finishes that elevate the everyday. Outside, the fenced backyard and brick paver patio open onto sweeping lake views, your private setting for morning coffee, evening sunsets

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,568

Principal & Interest: $2,568

Property taxes (est.): $689

Insurance (est.): $333

Estimated Total Monthly

$3,590

*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$2,568

Property taxesest. at asking price, Nassau County$689

HOAbilled annually$7

Estimated total, before insurance$3,264/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,557/yr · $380/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

Year	Market value	Taxable value	Change
2025	$535,924	$286,457	—
2024	$515,289	$277,676	—
2023	$496,922	$268,132	—
2022	$400,478	$258,866	—
2021	$331,650	$249,870	—
2020	$307,383	$245,730	—

2025 property taxes (current owner): $4,557/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

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 2008)

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

Solar potential: ~1,731 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

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 13, 2026Listed$499,000

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

Features

Price$499,000

Price / Sq Ft$162

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,071

Acres0.23 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNorth

Community Information

Address85030 Champlain Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionAmelia Walk

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size10,018.8 sq ft

Parcel Number132N27072000750000

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Washer Hookup