85203 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85203 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,855 sqft · built 2017
Lot Size	0.18 acres (7,842 sqft)
Owner	Individual Name on Record
Last Sale	$602,000 (Mar 2022)
Tax Bill	$10,208 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0003-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0003-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,855 sqft Living Area
Gross Area	3,501 sqft
1st Floor Area	2,665 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,842 sqft (0.18 acres)
Garage Type	Attached
Garage Area	646 sqft
Porch	Slab
Porch Area	571 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85203 CHAMPLAIN DR
City	FERNANDINA BEACH
State	FL
Zip	32034-9034
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 3 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES
Legal Lot Number	3
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2012
Census Tract	50309

Owner

Source: Nassau County records, as of April 28, 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
Mailing Address	85203 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Warranty Deed, Transfer · Conventional Mortgage OVM FINANCIAL INC
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 6, 2017	Warranty Deed, Transfer · ARM BANKERS MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Prior Sale	Dec 6, 2017 · Amount on Record
Deed Document Number	202210247
Deed Book / Page	2548 / 727
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 21, 2022
Property Address	85203 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Document Number	0025480727
Book / Page	2548 / 727
Map Reference	MB 8 PG 165-167
Instrument Date	Mar 21, 2022
Instrument	202245010247
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,214.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	76347 LONGLEAF LOOP, 76347, YULEE, FL 32097-1699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85203 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0002548729
Date	Mar 21, 2022
Instrument	2548/729

Lender

Name	OVM FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85203 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85203 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0024861924
Date	Aug 12, 2021
Book Page	2486/1924
Instrument	202145029930

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 6, 2017
Property Address	85203 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Document Number	0021611753
Book / Page	2161 / 1753
Map Reference	MB8 PG165-167
Instrument Date	Nov 20, 2017
Instrument	201735482
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, PARADISE VALLEY, AZ 85253-2727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85203 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0201735483
Date	Dec 6, 2017
Instrument	201735483

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

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	$10,208.00 (+0.86%) Homeowner's exemption	$508,362 (+2.9%)	$519,035 (+4.17%) Land $75,000 Building $444,035
2024	$10,121.00 (+4.48%) Homeowner's exemption	$494,035 (+3%)	$498,256 (+3.88%) Land $75,000 Building $423,256
2023	$9,687.00 (+50.54%) Homeowner's exemption	$479,646 (+62.54%) Land $75,000 Building $404,646	$479,646 (+24.26%) Land $75,000 Building $404,646
2022	$6,435.00 Homeowner's exemption	$295,092	$385,988 Land $65,000 Building $320,988

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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