85212 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85212 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,076 sqft · built 2017
Lot Size	0.205 acres (8,932 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Feb 2026)
Tax Bill	$9,583 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0130-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0130-0000`

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 2017
Effective Year Built	Effective 2017
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,932 sqft (0.205 acres)
Garage Type	Attached
Garage Area	426 sqft
Porch	Florida Room
Porch Area	258 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85212 CHAMPLAIN DR
City	FERNANDINA BEACH
State	FL
Zip	32034-9033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 130 IN OR 2131/803 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES
Legal Lot Number	130
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2014
Census Tract	50309

Owner

85212 Champlain Dr is owned and occupied by two individuals who bought it in February 2026.

Source: Nassau County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 4, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Apr 27, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 19, 2026	Warranty Deed, Transfer · Loan Assumption LOANDEPOT.COM LLC
Aug 15, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Jul 6, 2017	Special Warranty Deed, Transfer · Conventional Mortgage BANKERS MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2026 · Amount on File
Deed Sale	Feb 19, 2026 · Amount on File
Prior Sale	Jul 6, 2017 · Amount on File
Deed Document Number	20264829
Deed Book / Page	2848 / 357
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Mar 13, 2026
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024841959
Date	Aug 4, 2021
Book Page	2484/1959
Instrument	202145028957

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034

Mortgage

Document Number	0025581274
Date	Apr 27, 2022
Book Page	2558/1274
Instrument	202245015186

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 19, 2026
Property Address	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Document Number	0028480357
Book / Page	2848 / 357
Map Reference	MB 8 PG 165
Instrument Date	Feb 19, 2026
Instrument	202645004829
Transaction Type	Transfer
Record Updated	Mar 13, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	158 GLENEAGLES DR, NICEVILLE, FL 32578-4325

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033

Mortgage

Document Number	0002848359
Date	Feb 19, 2026
Instrument	2848/359

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Loan Assumption
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022971952
Date	Aug 15, 2019
Book Page	2297/1952
Instrument	201945026530

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

July 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 6, 2017
Property Address	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Document Number	0021310803
Book / Page	2131 / 0803
Map Reference	MB8 PG165
Instrument Date	Jun 19, 2017
Instrument	201720054
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	TITLE MATTERS LLC

Transaction

Amount	Amount on Record
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	85212 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033

Mortgage

Document Number	0021310805
Date	Jul 6, 2017
Instrument	2131/0805

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 85212 Champlain Dr was $9,583, up 1.4% 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	$9,583.00 (+1.42%)	$422,616 (+3.94%) Land $75,000 Building $347,616	$422,616 (+3.94%) Land $75,000 Building $347,616
2024	$9,449.00 (+244.85%)	$406,603 (+4.48%) Land $75,000 Building $331,603	$406,603 (+4.48%) Land $75,000 Building $331,603
2023	$2,740.00 (+2.2%) Disabled Person's exemption Veteran's exemption	$389,182 (+22.86%) Land $75,000 Building $314,182	$389,182 (+22.86%) Land $75,000 Building $314,182
2022	$2,681.00 Disabled Person's exemption Veteran's exemption	$316,757 Land $68,250 Building $248,507	$316,757 Land $68,250 Building $248,507

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

Flood

FEMA maps place 85212 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 85212 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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