2108 Sapelo Ct, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 2108 Sapelo Ct, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,713 sqft · built 1985
Lot Size	0.322 acres (14,036 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (May 2024)
Tax Bill	$5,743 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`00-00-30-0310-0049-0000`

Property Details

APN / Parcel Number

Primary APN	`00-00-30-0310-0049-0000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,713 sqft Living Area
1st Floor Area	1,713 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	14,036 sqft (0.322 acres)
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	35 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2108 SAPELO CT
City	FERNANDINA BEACH
State	FL
Zip	32034-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-2
Legal Description	LOT 49 ISLAND GROVE PHASE 1 PB 5/44
Legal Range	28E
Legal Township	03N
Legal Section	29
Legal Subdivision	ISLAND GROVE PHASE 1
Legal Phase	1
Legal Lot Number	49
Jurisdiction	NASSAU FL
Township / Civil Division	FERNANDINA BEACH
Census Block Group	1
Census Block	1007
Census Tract	50104

Owner

2108 Sapelo Ct is owned and occupied by two individuals who bought it in May 2024.

Source: Nassau County records, as of December 9, 2025

Owner of Record	2 Individual Names on File
Mailing Address	2108 SAPELO CT, FERNANDINA BEACH, FL 32034-4404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 19, 2023	Deed, Transfer · Balloon Mortgage CHASE CAPITAL INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on File
Deed Sale	May 31, 2024 · Amount on File
Prior Sale	Apr 9, 2024 · Amount on File
Deed Document Number	202415099
Deed Book / Page	2715 / 592
Prior Transfer Date	Apr 25, 2012
Prior Transfer Doc	0017901992
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	2108 SAPELO CT, FERNANDINA BEACH, FL 32034-4404
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2212 WILL HARDEE RD, FERNANDINA BEACH, FL 32034-7963

Mortgage

Document Number	0027050164
Date	Apr 9, 2024
Book Page	2705/164
Instrument	202445009741

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	585 SOUTH BLVD E, PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	NASSAU FL
Recording Date	Sep 19, 2023
Property Address	2108 SAPELO CT, FERNANDINA BEACH, FL 32034-4404
Document Number	0026671647
Book / Page	2667 / 1647
Map Reference	MB 5 PG 44
Instrument Date	Sep 18, 2023
Instrument	202345028464
Transaction Type	Transfer
Record Updated	Oct 3, 2023
Title Company	MTI TITLE INSURANCE AGENCY INC, MTI TITLE INSURANCE AGCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,389.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 15595, FERNANDINA BEACH, FL 32035-3110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3948 3RD ST S # 334, 334, JACKSONVILLE BEACH, FL 32250-5847
Investor	Possibly a Property Investor

Mortgage

Document Number	0026671649
Date	Sep 19, 2023
Instrument	2667/1649

Lender

Name	CHASE CAPITAL INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	7 Months
Due	Apr 1, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 2108 Sapelo Ct was $5,743, down 10.3% from the year before.

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,743.00 (-10.27%)	$409,909 (+1.38%)	$466,716 (+15.43%) Land $200,000 Building $266,716
2024	$6,400.00 (+26.48%)	$404,338 (+14.45%) Land $150,000 Building $254,338	$404,338 (+14.45%) Land $150,000 Building $254,338
2023	$5,060.00 (+10.87%)	$353,282 (-4.13%) Land $110,000 Building $243,282	$353,282 (-4.13%) Land $110,000 Building $243,282
2022	$4,564.00	$368,514 Land $110,000 Building $258,514	$368,514 Land $110,000 Building $258,514

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2108 Sapelo Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 246 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	253 units insured incl. 7 condo units
Nearby Flood Claims	4 (2008–2017)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2108 Sapelo Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FERNANDINA BEACH WTP serves 21,925 people · EPA ID FL2450364
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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