85321 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85321 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,719 sqft · built 2019
Lot Size	0.228 acres (9,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jul 2019)
Tax Bill	$6,544 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0025-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0025-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,719 sqft Heated Area
Gross Area	3,685 sqft
1st Floor Area	2,719 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,940 sqft (0.228 acres)
Garage Area	612 sqft
Porch	Open Porch
Porch Area	354 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85321 CHAMPLAIN DR
City	FERNANDINA BEACH
State	FL
Zip	32034-9067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 25 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES #2
Legal Lot Number	25
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2012
Census Tract	50309

Owner

Source: Nassau County records, as of January 26, 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	85321 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 15, 2019	Grant Deed, Transfer · Conventional Mortgage TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Deed Document Number	201945022553
Deed Book / Page	2289 / 1308
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85321 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9067
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85321 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9067

Mortgage

Document Number	0023940518
Date	Sep 22, 2020
Book Page	2394/518
Instrument	202045030149

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 15, 2019
Property Address	85321 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9067
Document Number	0022891308
Book / Page	002289 / 001308
Instrument Date	Jul 1, 2019
Instrument	45022553
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	INSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	85321 CHAMPLAIN DR FERNANDINA BEACH FL 320349067, FERNANDINA BEACH, FL 32034-9067

Mortgage

Document Number	22891310
Date	Jul 15, 2019
Book Page	002289/001310
Instrument	45022554

Lender

Name	TAYLOR MORRISON HOME FUNDING
Type	Funding / Finance Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

Tax Assessment & Valuation

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	$6,544.00 (+0.97%) Homeowner's exemption	$360,577 (+2.9%)	$529,633 (+4.15%) Land $75,000 Building $454,633
2024	$6,481.00 (+6.82%) Homeowner's exemption	$350,415 (+3%)	$508,510 (+3.84%) Land $75,000 Building $433,510
2023	$6,067.00 (+8.94%) Homeowner's exemption	$340,209 (+3%)	$489,716 (+24.57%) Land $75,000 Building $414,716
2022	$5,569.00 Homeowner's exemption	$330,300	$393,140 Land $65,000 Building $328,140

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	Direct burnable vegetation

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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