85254 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85254 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,985 sqft · built 2017
Lot Size	0.207 acres (9,057 sqft)
Owner	2 Company Names on File
Last Sale	$273,700 (Sep 2017)
Tax Bill	$6,401 (2025)
Deeds & Mortgages	Apr 2022 Reverse Mortgage Apr 2022 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0110-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0110-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,985 sqft Heated Area
Gross Area	2,648 sqft
1st Floor Area	1,946 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,057 sqft (0.207 acres)
Garage Area	405 sqft
Porch	Open Porch
Porch Area	258 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85254 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 110 IN OR 2145/558 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES #2
Legal Lot Number	110
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2014
Census Tract	50309

Owner

85254 Champlain Dr is owned by a company that bought it in September 2017 and is owner-occupied.

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

Owner of Record	2 Company Names on File
Mailing Address	85254 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Occupancy	Owner Occupied
Owner Type	Company

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
Apr 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Apr 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2017 · Amount on File
Deed Sale	Sep 7, 2017 · Amount on File
Deed Document Number	201726662
Deed Book / Page	2145 / 0558
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85254 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85254 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033

Mortgage

Document Number	0025580974
Date	Apr 27, 2022
Book Page	2558/974
Instrument	202245015112

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.38%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85254 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85254 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9033

Mortgage

Document Number	0025580990
Date	Apr 27, 2022
Book Page	2558/990
Instrument	202245015113

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Adjustable	Adjustable Rate Rider
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	9.38%

Tax Assessment & Valuation

The 2025 property tax bill for 85254 Champlain Dr was $6,401 with a homeowner's exemption, up 0.7% 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	$6,401.00 (+0.72%) Homeowner's exemption	$260,399 (+2.9%)	$422,355 (+4.06%) Land $75,000 Building $347,355
2024	$6,355.00 (+6.75%) Homeowner's exemption	$253,060 (+3%)	$405,870 (+5.2%) Land $75,000 Building $330,870
2023	$5,953.00 (+6.61%) Homeowner's exemption	$245,689 (+3%)	$385,816 (+22.26%) Land $75,000 Building $310,816
2022	$5,584.00 Homeowner's exemption	$238,533	$315,568 Land $68,250 Building $247,318

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

Flood

FEMA maps place 85254 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 85254 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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