85302 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85302 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,715 sqft · built 2019
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$122,500 (Aug 2026)
Tax Bill	$7,017 (2025)
Deeds & Mortgages	Aug 2026 Sale Dec 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0092-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0092-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,715 sqft Living Area
Gross Area	3,407 sqft
1st Floor Area	2,715 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Steel/Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Attached
Garage Area	692 sqft
Porch	Slab
Porch Area	354 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85302 CHAMPLAIN DR
City	FERNANDINA BEACH
State	FL
Zip	32034-9035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 92 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES
Legal Lot Number	92
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2014
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	85302 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jul 29, 2020	Warranty Deed, Transfer · Conventional Mortgage PRIMESOUTH BANK
Mar 15, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2026 · Amount on Record
Deed Sale	Aug 25, 2026 · Amount on Record
Prior Sale	Jul 29, 2020 · Amount on Record
Deed Document Number	202626027
Deed Book / Page	2891 / 275
Prior Transfer Date	Jun 2, 2026
Prior Transfer Doc	0000026027
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 25, 2026
Property Address	85302 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035
Document Number	0000026027
Book / Page	2891 / 275
Instrument Date	Jun 2, 2026
Instrument	202626027
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$86,607.50
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	85302 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85302 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035
Transaction Type	Mortgage
Record Updated	Jan 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85302 CHAMPLAIN DR, FERNANDINA, FL 32034-9035

Mortgage

Document Number	0026101426
Date	Dec 29, 2022
Book Page	2610/1426
Instrument	202245042252

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 29, 2020
Property Address	85302 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035
Document Number	0023791247
Book / Page	2379 / 1247
Map Reference	MB 8 PG 165-167
Instrument Date	Jul 23, 2020
Instrument	202045023273
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,716.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85302 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035

Mortgage

Document Number	0023791249
Date	Jul 29, 2020
Instrument	2379/1249

Lender

Name	PRIMESOUTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 15, 2019
Property Address	85302 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035
Document Number	0022611326
Book / Page	002261 / 001326
Instrument Date	Mar 8, 2019
Instrument	45008184
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,470.93
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85302 CHAMPLAIN DR FERNANDINA BEACH FL 320349035, FERNANDINA BEACH, FL 32034-9035

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	$7,017.00 (+0.98%)	$391,404 (+2.9%)	$532,362 (+4.21%) Land $75,000 Building $457,362
2024	$6,949.00 (+6.74%) Homeowner's exemption	$380,373 (+3.36%)	$510,860 (+4.16%) Land $75,000 Building $435,860
2023	$6,510.00 (+8.95%) Homeowner's exemption	$368,006 (+3%)	$490,456 (+23.21%) Land $75,000 Building $415,456
2022	$5,975.00 Homeowner's exemption	$357,287	$398,062 Land $68,250 Building $329,812

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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