85239 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85239 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,264 sqft · built 2017
Lot Size	0.279 acres (12,146 sqft)
Owner	2 Individual Names on Record
Last Sale	$358,700 (Nov 2017)
Tax Bill	$9,324 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0011-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0011-0000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,264 sqft Living Area
Gross Area	3,672 sqft
1st Floor Area	1,790 sqft
Upper Floors Area	1,114 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	12,146 sqft (0.279 acres)
Garage Type	Attached
Garage Area	408 sqft
Pool Area	392 sqft
Porch	Florida Room
Porch Area	498 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85239 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 11 IN OR 2160/654 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES
Legal Lot Number	11
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2012
Census Tract	50309

Owner

Source: Nassau County records, as of June 29, 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	85239 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Nov 30, 2017	Special Warranty Deed, Transfer · Conventional Mortgage BANKERS MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2017 · Amount on Record
Deed Sale	Nov 30, 2017 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	201734769
Deed Book / Page	2160 / 654
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85239 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85239 CHAMPLAIN DR, FERNANDINA, FL 32034-9034

Mortgage

Document Number	0025471309
Date	Mar 17, 2022
Book Page	2547/1309
Instrument	202245009869

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85239 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024741320
Date	Jun 28, 2021
Book Page	2474/1320
Instrument	202145024147

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	ATLANTA, GA 30326

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

November 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 30, 2017
Property Address	85239 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Document Number	0021600654
Book / Page	2160 / 0654
Map Reference	MB8 PG165-167
Instrument Date	Nov 22, 2017
Instrument	201734769
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	85239 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Mortgage

Document Number	0201734770
Date	Nov 30, 2017
Instrument	201734770

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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	$9,324.00 (+0.73%) Homeowner's exemption	$394,836 (+2.9%)	$588,204 (+3.57%) Land $75,000 Building $513,204
2024	$9,256.00 (+4.74%) Homeowner's exemption	$383,708 (+3%)	$567,909 (+3.38%) Land $75,000 Building $492,909
2023	$8,837.00 (+17.61%) Homeowner's exemption	$372,532 (+20.29%)	$549,334 (+37.66%) Land $75,000 Building $474,334
2022	$7,514.00 Homeowner's exemption	$309,691	$399,043 Land $65,000 Building $334,043

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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