85248 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85248 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,230 sqft · built 2018
Lot Size	0.2 acres (8,750 sqft)
Owner	Trust Name on File
Last Sale	$615,000 (Mar 2024)
Tax Bill	$5,108 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0111-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0111-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,230 sqft Heated Area
Gross Area	4,155 sqft
1st Floor Area	1,911 sqft
Upper Floors Area	1,319 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,750 sqft (0.2 acres)
Garage Area	532 sqft
Porch	Open Porch
Porch Area	323 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85248 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 111 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES #2
Legal Lot Number	111
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2014
Census Tract	50309

Owner

85248 Champlain Dr is owner-occupied and held in a trust since March 2024.

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

Owner of Record	Trust Name on File
Mailing Address	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Mar 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Sep 9, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 26, 2019	Deed of Trust, Mortgage · FHA Mortgage BANKERS MORTGAGE LENDING INC
Nov 2, 2018	Special Warranty Deed, Transfer · FHA Mortgage BANKERS MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2024 · Amount on File
Deed Sale	Mar 21, 2024 · Amount on File
Prior Sale	Nov 2, 2018 · Amount on File
Deed Document Number	202445007735
Deed Book / Page	2701 / 432
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1733 SPLIT FORK DR, OLDSMAR, FL 34677-2768

Mortgage

Document Number	0027010433
Date	Mar 21, 2024
Book Page	2701/433
Instrument	202445007736

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	3905 W 49TH ST # 2, SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2039

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033

Mortgage

Document Number	0025691603
Date	Jun 13, 2022
Book Page	2569/1603
Instrument	202245021039

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34995

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85248 CHAMPLAIN DR, FERNANDINA, FL 32034-9033

Mortgage

Document Number	0023900761
Date	Sep 9, 2020
Book Page	2390/761
Instrument	202045028402

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Dec 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	TITLE MATTERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023210892
Date	Nov 26, 2019
Book Page	2321/0892
Instrument	201945037597

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 2, 2018
Property Address	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Document Number	0022340521
Book / Page	2234 / 0521
Map Reference	MB 8 PG 165-167
Instrument Date	Oct 31, 2018
Instrument	201845033983
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	$2,541.70
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	85248 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033

Mortgage

Document Number	201845033984
Date	Nov 2, 2018
Instrument	201845033984

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 85248 Champlain Dr was $5,108 with a homeowner's exemption, down 36.5% from the year before.

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	$5,108.00 (-36.53%) Homeowner's exemption	$276,612 (-23.03%)	$546,954 (-0.03%) Land $75,000 Building $471,954
2024	$8,048.00 (+5.45%) Homeowner's exemption	$359,383 (+3%)	$547,115 (+3.93%) Land $75,000 Building $472,115
2023	$7,632.00 (+7.15%) Homeowner's exemption	$348,916 (+3%)	$526,443 (+23.44%) Land $75,000 Building $451,443
2022	$7,123.00 Homeowner's exemption	$338,753	$426,474 Land $68,250 Building $358,224

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

FEMA maps place 85248 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 85248 Champlain Dr is moderate, ranking above 46% of the US, with a 0.08% annual chance of 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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