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

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Active

Active·1 day on market·North Hampton

86135 Hampton Bays Drive

Fernandina Beach, FL 32034

$610,000$252/sqftEst. $3,152/moMLS# 2163114

Beds

Baths

2,420

Sq Ft

2002

Built

Garage

Pool

About this home

North Hampton

Welcome to 86135 Hampton Bays Dr, located in the desirable North Hampton community of Fernandina Beach. This spacious 4-bedroom, 2-bath home offers approximately 2,420 sq ft of living space and sits on a generous 0.39-acre lot backing to a peaceful preservation area. The open floor plan provides a comfortable layout for everyday living and entertaining, with abundant natural light and thoughtful updates throughout. The kitchen features 42-inch cabinetry, granite countertops, tile backsplash, stainless steel appliances, skylights, and pendant lighting. Tile flooring extends through the main living areas, while hardwood flooring adds warmth to the bedrooms and study. The living area includes a cozy fireplace and offers easy access to the screened rear lanai. The spacious primary suite features direct access to the lanai, a large walk-in closet with built-ins, and a private bath. Three additional bedrooms provide flexibility for guests, office space, or additional living needs.

Cost to own

Mortgage calculator

Home Price

$610,000

Down Payment: 20%

$122,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$3,152

Principal & Interest: $3,152

Property taxes (est.): $842

Insurance (est.): $407

Estimated Total Monthly

$4,401

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$3,152

Property taxesest. at asking price, Nassau County$842

HOAbilled semi-annually$219

Estimated total, before insurance$4,213/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,260/yr · $272/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): $3,260/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

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 2002)

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: ~1,357 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of September 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

Sep 2, 2026Listed$610,000

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

Features

Price$610,000

Price / Sq Ft$252

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,420

Acres0.39 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryYulee

MiddleYulee

HighYulee

Community Information

Address86135 Hampton Bays Drive, Fernandina Beach, FL 32034

Area472-Oneil/Nassaville/Holly Point

SubdivisionNorth Hampton

CityFernandina Beach

CountyNassau

StateFL

Zip Code32034

Lot Size16,988.4 sq ft

Parcel Number122N27146000640000

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Boat Launch, Fitness Center, Golf Course, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Primary Bathroom -Tub with Separate Shower, Split Bedrooms

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

Window FeaturesSkylight(s)

Exterior

Patio / PorchRear Porch, Screened

RoofShingle

ConstructionFrame, Stucco

Road SurfaceAsphalt

Additional Information

Date ListedSeptember 2, 2026

Days on Market0

HOA Fees$1,312 / Semi-Annually

HOA FrequencySemi-Annually

HOA NameLeland Management

Tax Amount$3,260.36

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About North Hampton

North Hampton is a neighborhood in Amelia Island, FL (Nassau County), ZIP 32034.

View all North Hampton homes for sale →

Listing Courtesy of: DIAMOND REALTY GROUP OF AMELIA ISLAND

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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86135 Hampton Bays Drive

North Hampton

Mortgage calculator

True monthly cost

Taxes & assessment

Florida Reality Check

Price & status history

Features

School Information

Community Information

Amenities

Interior

Exterior

Additional Information

About North Hampton

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