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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie'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

$715,0004 bd · 3 ba · 2,755 sq ft

Active·3 days on market·North Hampton

85101 Sagaponack Drive

Fernandina Beach, FL 32034

$715,000$260/sqftEst. $3,898/mo mortgageMLS# 2172046
4
Beds
3
Baths
2,755
Sq Ft
2005
Built
3
Garage
Yes
Pool

7 more homes for sale in North Hampton →Search North Hampton on the map

FEMA Zone XHOA $219/mo14,375 sqft lotWaterfrontSingle Family Residence1 story

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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.

Next steps in North Hampton

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$3,898
Property taxesest. at asking price, Nassau County$987
HOAbilled semi-annually$219
Estimated total, before insurance$5,104/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$715,000
$143,000
Loan Term
Monthly Payment
$3,898
Principal & Interest: $3,898
Property taxes (est.): $987
Insurance (est.): $477
Estimated Total Monthly
$5,362
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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.

Solar potential: ~1,675 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 November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Nov 3, 2026Listed$715,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $214/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
85428 Sagaponack Drive, Fernandina Beach, FL 32034Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAOct 2026$563,000$2124/32,6572780.3
85304 Berryessa Way, Fernandina Beach, FL 32034Listed by SUMMER HOUSE REALTYNov 2026$483,900$2343/22,070100.5
82735 Belvoir Court, Fernandina Beach, FL 32034Listed by MOMENTUM REALTYOct 2026$453,000$2005/32,268490.5
85069 Champlain Drive, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICESAug 2026$432,000$2143/22,022250.5
95154 Cornflower Drive, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTOct 2026$505,000$1765/42,8761570.6
94974 Windflower Trail, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$530,000$2234/32,37650.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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

School Information

County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

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 Number12-2N-27-1460-0605-0000
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Golf Course, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Suburban
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, Guest Suite, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit
Spa FeaturesIn Ground, Private

Exterior

Patio / PorchCovered, Patio, Screened
FencingBack Yard
RoofShingle
ConstructionBrick Veneer, Stucco
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedNovember 3, 2026
Days on Market3
HOA Fees$1,312 / Semi-Annually
HOA FrequencySemi-Annually
HOA Fee IncludesCable TV, Internet
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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