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85105 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85105 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,705 sqft · built 2010
Lot Size0.257 acres (11,230 sqft)
Owner2 Individual Names on File
Last Sale$414,700 (Aug 2017)
Tax Bill$7,175 (2025)
Deeds & MortgagesJul 2020 Mortgage
May 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN13-2N-27-0720-0048-0000

Property Details

APN / Parcel Number

Primary APN13-2N-27-0720-0048-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,705 sqft Heated Area
Gross Area2,347 sqft
1st Floor Area1,705 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2010
Exterior MaterialConcrete
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area11,230 sqft (0.257 acres)
Garage Area440 sqft
PorchOpen Porch
Porch Area202 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address85105 CHAMPLAIN DR
CityFERNANDINA BEACH
StateFL
Zip32034-9061
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 48 IN OR 1981/1108 HAMPTON LAKES #1 PB 7/252
Legal Range27E
Legal Township02N
Legal Section13
Legal SubdivisionHAMPTON LAKES #1
Legal Lot Number48
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group2
Census Block2012
Census Tract50309

Owner

85105 Champlain Dr is owned by two individuals who bought it in August 2017.

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

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

Owner of Record2 Individual Names on File
Mailing Address5753 HIGHWAY 85 N, CRESTVIEW, FL 32536-9365
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2020Deed of Trust, Mortgage · VA Mortgage
WELLS FARGO BANK NA
May 26, 2020Deed of Trust, Mortgage
RICHMOND AMERICAN HMS/FL LP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 31, 2017 · Amount on File
Deed SaleAug 31, 2017 · Amount on File
Prior SaleMay 26, 2015 · Amount on File
Deed Document Number201726065
Deed Book / Page2143 / 1952
Record UpdatedJun 8, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address85105 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9061
Transaction TypeMortgage
Record UpdatedJan 14, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023750696
DateJul 13, 2020
Book Page2375/696
Instrument202045021263
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2050

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address85105 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9061
Document Number0023631647
Instrument DateMay 26, 2020
Transaction TypeMortgage
Record UpdatedJul 27, 2020
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Mortgage

Document Number0023631647
DateMay 27, 2020
Book Page002363/001647
Instrument45015822
Lender
NameRICHMOND AMERICAN HMS/FL LP
Agreement
AmountAmount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 85105 Champlain Dr was $7,175, up 4% from the year before.

Source: Nassau County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,175.00 (+4%)$386,921 (+3.67%) Land $75,000 Building $311,921$386,921 (+3.67%) Land $75,000 Building $311,921
2024$6,899.00 (+9.39%)$373,212 (+3.38%) Land $75,000 Building $298,212$373,212 (+3.38%) Land $75,000 Building $298,212
2023$6,307.00 (+19.72%)$361,007 (+25.21%) Land $75,000 Building $286,007$361,007 (+25.21%) Land $75,000 Building $286,007
2022$5,268.00$288,325 Land $65,000 Building $223,325$288,325 Land $65,000 Building $223,325

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

Flood

FEMA maps place 85105 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 223 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies223 in force
Nearby Flood Claims2 (2016–2017)
Most Recent ClaimSep 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 85105 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 RiskModerate
above 43% of the US · lower than 85% of Florida
Wildfire Likelihood0.06% annual chance
ExposureDirect
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 SystemJEA: LOFTON OAKS GRID
private · serves 24,318 people · EPA ID FL2454338
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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