85095 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85095 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,284 sqft · built 2010
Lot Size	0.223 acres (9,746 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Feb 2021)
Tax Bill	$7,812 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-2N-27-0720-0047-0000`

Property Details

APN / Parcel Number

Primary APN	`13-2N-27-0720-0047-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,284 sqft Heated Area
Gross Area	3,064 sqft
1st Floor Area	1,533 sqft
Upper Floors Area	751 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	9,746 sqft (0.223 acres)
Garage Area	504 sqft
Porch	Open Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85095 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 47 HAMPTON LAKES #1 PB 7/252
Legal Range	27E
Legal Township	02N
Legal Section	13
Legal Subdivision	HAMPTON LAKES #1
Legal Lot Number	47
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2012
Census Tract	50309

Owner

85095 Champlain Dr is owned and occupied by an individual who bought it in February 2021.

Source: Nassau County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	85095 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 29, 2021	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Feb 24, 2021	Warranty Deed, Transfer GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC
Sep 9, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2021 · Amount on File
Deed Sale	Feb 24, 2021 · Amount on File
Prior Sale	Jul 10, 2015 · Amount on File
Deed Document Number	202145006377
Deed Book / Page	2436 / 1299
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85095 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 SHARPSTEAD LN, GAITHERSBURG, MD 20878-2714

Mortgage

Document Number	0024821866
Date	Jul 29, 2021
Book Page	2482/1866
Instrument	202145028046

Lender

Name	TRUIST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 24, 2021
Property Address	85095 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Document Number	0024361299
Book / Page	2436 / 1299
Map Reference	MB 7 PG 252-262
Instrument Date	Feb 19, 2021
Instrument	202145006377
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC

Transaction

Amount	Amount on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85095 CHAMPLAIN DR, 85095, FERNANDINA BEACH, FL 32034-9059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 SHAPSTEAD LANE, GAITHERSBURG, MD 20878-2714
Investor	Possibly a Property Investor

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85095 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9059
Document Number	0023040919
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85095 CHAMPLAIN DR FERNANDINA BEACH FL 320349059, FERNANDINA BEACH, FL 32034-9059

Mortgage

Document Number	0023040919
Date	Sep 18, 2019
Book Page	002304/000919
Instrument	45029759

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 85095 Champlain Dr was $7,812 with a homeowner's exemption, down 3.1% from the year before.

Source: Nassau County assessment roll, as of July 1, 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	$7,812.00 (-3.06%) Homeowner's exemption	$443,185 (+4.11%) Land $75,000 Building $368,185	$443,185 (+4.11%) Land $75,000 Building $368,185
2024	$8,059.00 (+31.68%)	$425,701 (+3.8%) Land $75,000 Building $350,701	$425,701 (+3.8%) Land $75,000 Building $350,701
2023	$6,120.00 (+22.47%)	$410,121 (+23.48%) Land $75,000 Building $335,121	$410,121 (+23.48%) Land $75,000 Building $335,121
2022	$4,997.00	$332,142 Land $65,000 Building $267,142	$332,142 Land $65,000 Building $267,142

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

Flood

FEMA maps place 85095 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 85095 Champlain Dr is moderate, ranking above 43% 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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.06% 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	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 105 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
Verizon Fixed Wireless	300 / 20

May also be available: IQ Fiber, T-Mobile.

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