85069 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85069 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,243 sqft · built 2007
Lot Size	0.267 acres (11,618 sqft)
Owner	Individual Name on File
Last Sale	$432,000 (Aug 2026)
Tax Bill	$5,631 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2023 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`13-2N-27-0720-0037-0000`

Property Details

APN / Parcel Number

Primary APN	`13-2N-27-0720-0037-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,243 sqft Living Area
Gross Area	2,705 sqft
1st Floor Area	2,022 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Steel/Stucco
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	11,618 sqft (0.267 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Slab
Porch Area	271 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85069 CHAMPLAIN DR
City	FERNANDINA BEACH
State	FL
Zip	32034-9059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 37 HAMPTON LAKES #1 PB 7/252
Legal Range	27E
Legal Township	02N
Legal Section	13
Legal Subdivision	HAMPTON LAKES
Legal Lot Number	37
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2012
Census Tract	50309

Owner

85069 Champlain Dr is owned and occupied by an individual who bought it in August 2026.

Source: Nassau County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Aug 28, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE ACCEPTANCE
Apr 18, 2023	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 9, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU
Oct 20, 2020	Warranty Deed, Transfer · Conventional Mortgage SANDY SPRING BANK
May 26, 2020	Deed of Trust, Mortgage RICHMOND AMERICAN HMS/FL LP
Dec 10, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on File
Deed Sale	Aug 28, 2026 · Amount on File
Prior Sale	Oct 20, 2020 · Amount on File
Deed Document Number	202626509
Deed Book / Page	2892 / 3
Prior Transfer Date	Apr 14, 2023
Prior Transfer Doc	0026320390
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 28, 2026
Property Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Document Number	0000026509
Book / Page	2892 / 3
Instrument Date	Aug 19, 2026
Instrument	202626509
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305,424.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059

Mortgage

Document Number	0000026510,
Date	Aug 28, 2026
Instrument	202626510

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Apr 18, 2023
Property Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Document Number	0026320390
Book / Page	2632 / 390
Map Reference	MB 7 PG 252-262
Instrument Date	Apr 14, 2023
Instrument	202345010985
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021501154
Date	Oct 9, 2017
Book Page	2150/1154
Instrument	201729389

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059

Mortgage

Document Number	0024811471
Date	Jul 23, 2021
Book Page	2481/1471
Instrument	202145027465

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2031

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Oct 20, 2020
Property Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Document Number	0024011517
Book / Page	2401 / 1517
Map Reference	MB 7 PG 252-262
Instrument Date	Oct 16, 2020
Instrument	202045033725
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2335 MANOR GROVE DR # 1414, 2335, CHESTERFIELD, MO 63017-7869

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20966 TOBACCO SQ, ASHBURN, VA 20147-4612

Mortgage

Document Number	0024011519
Date	Oct 20, 2020
Instrument	2401/1519

Lender

Name	SANDY SPRING BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Document Number	0023631647
Instrument Date	May 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0023631647
Date	May 27, 2020
Book Page	002363/001647
Instrument	45015822

Lender

Name	RICHMOND AMERICAN HMS/FL LP

Agreement

Amount	Amount on Record

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 10, 2018
Property Address	85069 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Document Number	0022421024
Book / Page	002242 / 001024
Instrument Date	Dec 10, 2018
Instrument	45038009
Transaction Type	Transfer
Record Updated	Jan 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,739.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85069 CHAMPLAIN DR FERNANDINA BEACH FL 320349059, FERNANDINA BEACH, FL 32034-9059

Tax Assessment & Valuation

The 2025 property tax bill for 85069 Champlain Dr was $5,631, up 1% 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	$5,631.00 (+0.95%)	$301,131 (+2.9%)	$429,366 (+3.85%) Land $75,000 Building $354,366
2024	$5,578.00 (+7.87%) Homeowner's exemption	$292,644 (+3%)	$413,443 (+3.53%) Land $75,000 Building $338,443
2023	$5,171.00 (+8.86%) Homeowner's exemption	$284,120 (+3%)	$399,339 (+25.02%) Land $75,000 Building $324,339
2022	$4,750.00 Homeowner's exemption	$275,845	$319,415 Land $65,000 Building $254,415

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

Flood

FEMA maps place 85069 Champlain Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

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 223 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	223 in force
Nearby Flood Claims	2 (2016–2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 85069 Champlain Dr is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	JEA: LOFTON OAKS GRID private · serves 24,318 people · EPA ID FL2454338
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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