85189 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85189 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,731 sqft · built 2018
Lot Size	0.18 acres (7,842 sqft)
Owner	Individual Name on Record
Last Sale	$313,300 (May 2018)
Tax Bill	$8,046 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0002-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0002-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,731 sqft Heated Area
Gross Area	3,635 sqft
1st Floor Area	1,138 sqft
Upper Floors Area	1,593 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,842 sqft (0.18 acres)
Garage Area	464 sqft
Porch	Open Porch
Porch Area	398 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85189 CHAMPLAIN DR
City	FERNANDINA BEACH
State	FL
Zip	32034-9061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 2 IN OR 2197/1228 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES #2
Legal Lot Number	2
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2012
Census Tract	50309

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	85189 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANKERS MORTGAGE LENDING INC
May 22, 2018	Special Warranty Deed, Transfer · FHA Mortgage BANKERS MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on Record
Deed Sale	May 22, 2018 · Amount on Record
Deed Document Number	201815622
Deed Book / Page	2197 / 1228
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85189 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9061
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023530150
Date	Apr 9, 2020
Book Page	2353/150
Instrument	202045011127

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company
Address	MIAMI, FL 33233

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 22, 2018
Property Address	85189 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9061
Document Number	0021971228
Book / Page	2197 / 1228
Map Reference	MB8 PG165-167
Instrument Date	May 3, 2018
Instrument	201815622
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	TITLE MATTERS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8601 N SCOTTSDALE RD STE 225, 8601, SCOTTSDALE, AZ 85253-2727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85189 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9061

Mortgage

Document Number	0201815623
Date	May 22, 2018
Instrument	201815623

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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	$8,046.00 (+0.68%) Homeowner's exemption	$311,605 (+2.9%)	$497,688 (+4.23%) Land $75,000 Building $422,688
2024	$7,992.00 (+5.39%) Homeowner's exemption	$302,823 (+3%)	$477,495 (+3.91%) Land $75,000 Building $402,495
2023	$7,583.00 (+6.07%) Homeowner's exemption	$294,003 (+3%)	$459,536 (+23.7%) Land $75,000 Building $384,536
2022	$7,149.00 Homeowner's exemption	$285,440	$371,489 Land $65,000 Building $306,489

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

Flood

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 Record 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

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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