85219 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85219 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,964 sqft · built 2018
Lot Size	0.252 acres (10,972 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Aug 2026)
Tax Bill	$7,857 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0007-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0007-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,964 sqft Living Area
Gross Area	2,390 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	Steel/Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,972 sqft (0.252 acres)
Garage Type	Attached
Garage Area	426 sqft
Pool Area	325 sqft
Porch	Slab
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85219 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 7 IN OR 2194/164 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES
Legal Lot Number	7
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2012
Census Tract	50309

Owner

Source: Nassau County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Mar 31, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Jun 9, 2020	Deed of Trust, Mortgage · Conventional with PMI VYSTAR CU
May 4, 2018	Special Warranty Deed, Transfer · Conventional Mortgage BANKERS MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	May 4, 2018 · Amount on Record
Deed Document Number	202626588
Deed Book / Page	2892 / 310
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 28, 2026
Property Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Document Number	0000026588
Book / Page	2892 / 310
Instrument Date	Aug 28, 2026
Instrument	202626588
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0000026589,
Date	Aug 28, 2026
Instrument	202626589

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Transaction Type	Mortgage
Record Updated	Apr 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0025511057
Date	Mar 31, 2022
Book Page	2551/1057
Instrument	202245011828

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Document Number	0023710438
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	85219 CHAMPLAIN DR FERNANDINA BEACH FL 320349034, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0023710438
Date	Jun 26, 2020
Book Page	002371/000438
Instrument	45019446

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 4, 2018
Property Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Document Number	0021940164
Book / Page	2194 / 0164
Map Reference	MB8 PG165-167
Instrument Date	Apr 30, 2018
Instrument	201813675
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
Relationship	Joint Tenants with Right of Survivorship
Address	85219 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0201813676
Date	May 4, 2018
Instrument	201813676

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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	$7,857.00 (+0.68%)	$299,257 (+2.9%)	$457,320 (+3.49%) Land $75,000 Building $382,320
2024	$7,804.00 (+5.5%) Homeowner's exemption	$290,823 (+3%)	$441,885 (+3.27%) Land $75,000 Building $366,885
2023	$7,397.00 (+5.99%) Homeowner's exemption	$282,352 (+3%)	$427,875 (+24.96%) Land $75,000 Building $352,875
2022	$6,979.00 Homeowner's exemption	$274,128	$342,405 Land $65,000 Building $277,405

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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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