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

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Active·Listed today·North Hampton

86120 Montauk Drive

Fernandina Beach, FL 32034

$574,000$245/sqftEst. $2,948/moMLS# 2161501

Beds

Baths

2,340

Sq Ft

2002

Built

Garage

Pool

About this home

North Hampton

Welcome to 86120 Montauk Drive in North Hampton! Situated on an oversized .55-acre corner lot with peaceful lake and golf course views, this light-filled home offers 4 bedrooms, 3 full baths and 2,340 sq. ft. of flexible living space. Soaring ceilings and abundant natural light complement multiple living and dining areas. The kitchen features quartz countertops, stainless steel appliances, generous cabinetry and a bright breakfast area. French doors open to an expansive screened lanai overlooking the spacious yard. Three bedrooms and two full baths are located on the main level, while upstairs offers a private 4th bedroom with an en-suite bath, ideal for guests, an office, game room or second living space. North Hampton amenities include an Arnold Palmer-designed golf course, pool, tennis, pickleball, playground and The Outpost on Lofton Creek for kayaking and fishing. Just a short drive to Amelia Island beaches and downtown Fernandina Beach.

Cost to own

Mortgage calculator

Home Price

$574,000

Down Payment: 20%

$114,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,948

Principal & Interest: $2,948

Property taxes (est.): $792

Insurance (est.): $383

Estimated Total Monthly

$4,123

*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$2,948

Property taxesest. at asking price, Nassau County$792

HOAbilled semi-annually$219

Estimated total, before insurance$3,959/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,076/yr · $590/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

2025 property taxes (current owner): $7,076/yr

Estimated taxes if purchased at asking price: ~$9,500/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, NEFMLS.

History