85186 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85186 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,076 sqft · built 2018
Lot Size	0.19 acres (8,266 sqft)
Owner	2 Individual Names on File
Last Sale	$515,500 (Jun 2022)
Tax Bill	$8,361 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0134-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0134-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,076 sqft Living Area
Gross Area	2,502 sqft
1st Floor Area	1,964 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,266 sqft (0.19 acres)
Garage Type	Attached
Garage Area	426 sqft
Porch	Florida Room
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85186 CHAMPLAIN DR
City	FERNANDINA BEACH
State	FL
Zip	32034-9060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 134 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES
Legal Lot Number	134
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2014
Census Tract	50309

Owner

85186 Champlain Dr is owned and occupied by two individuals who acquired it in October 2024.

Source: Nassau County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	85186 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9060
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Jun 28, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 23, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK
Oct 3, 2018	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Jul 23, 2021 · Amount on File
Deed Document Number	202222806
Deed Book / Page	2573 / 1477
Last Transfer Date	Oct 18, 2024
Transfer Doc	0027470963
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 28, 2022
Property Address	85186 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9060
Document Number	0025731477
Book / Page	2573 / 1477
Map Reference	MB 8 PG 165-167
Instrument Date	Jun 27, 2022
Instrument	202245022806
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 19, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,608.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85186 CHAMPLAIN DR, 85186, FERNANDINA BEACH, FL 32034-9060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3301 PROVIDENCE HILLS DR, MATTHEWS, NC 28105-6741

Mortgage

Document Number	0025731479
Date	Jun 28, 2022
Instrument	2573/1479

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85186 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9060
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024131016
Date	Dec 4, 2020
Book Page	2413/1016
Instrument	202045039200

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 23, 2021
Property Address	85186 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9060
Document Number	0024811849
Book / Page	2481 / 1849
Map Reference	MB 8 PG 165-167
Instrument Date	Jul 22, 2021
Instrument	202145027543
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,723.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1629 HIGHLAND DUNES WAY, 1629, FERNANDINA BEACH, FL 32034-2458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35186 CHAMPLAIN DRIVE, FERNANDINA BEACH, FL 32034

Mortgage

Document Number	0024811851
Date	Jul 23, 2021
Instrument	2481/1851

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Oct 3, 2018
Property Address	85186 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9060
Document Number	0022271884
Book / Page	002227 / 001884
Instrument Date	Sep 28, 2018
Instrument	45030784
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	TITLE MATTERS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,899.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85186 CHAMPLAIN DR FERNANDINA BEACH FL 32034, FERNANDINA BEACH, FL 32034

Mortgage

Document Number	22271886
Date	Oct 3, 2018
Book Page	002227/001886
Instrument	45030785

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 85186 Champlain Dr was $8,361, 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	$8,361.00 (+0.95%)	$414,197 (+2.9%)	$421,709 (+4.04%) Land $75,000 Building $346,709
2024	$8,282.00 (-0.4%) Homeowner's exemption Additional exemption filed	$402,524 (+3%)	$405,320 (+3.72%) Land $75,000 Building $330,320
2023	$8,315.00 (+12.24%) Homeowner's exemption	$390,800 (+23.72%) Land $75,000 Building $315,800	$390,800 (+23.72%) Land $75,000 Building $315,800
2022	$7,408.00	$315,880 Land $65,000 Building $250,880	$315,880 Land $65,000 Building $250,880

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

Flood

FEMA maps place 85186 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 85186 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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