85346 Champlain Dr, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 85346 Champlain Dr, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,684 sqft · built 2019
Lot Size	0.181 acres (7,908 sqft)
Owner	2 Individual Names on File
Last Sale	$342,000 (Dec 2019)
Tax Bill	$10,441 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-2N-27-0721-0086-0000`

Property Details

APN / Parcel Number

Primary APN	`24-2N-27-0721-0086-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,684 sqft Heated Area
Gross Area	3,652 sqft
1st Floor Area	1,784 sqft
Upper Floors Area	900 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,908 sqft (0.181 acres)
Garage Area	428 sqft
Porch	Open Porch
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85346 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 86 HAMPTON LAKES #2 PBK 8/165
Legal Range	27E
Legal Township	02N
Legal Section	24
Legal Subdivision	HAMPTON LAKES #2
Legal Lot Number	86
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2014
Census Tract	50309

Owner

85346 Champlain Dr is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	85346 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2019 · Amount on File
Deed Sale	Dec 31, 2019 · Amount on File
Deed Document Number	201945040959
Deed Book / Page	2328 / 1148
Record Updated	Jun 8, 2026

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 31, 2019
Property Address	85346 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9035
Document Number	0023281148
Book / Page	002328 / 001148
Instrument Date	Dec 27, 2019
Instrument	45040959
Transaction Type	Transfer
Record Updated	Feb 7, 2020
Title Company	JAX TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85346 CHAMPLAIN DR FERNANDINA BEACH FL 320349035, FERNANDINA BEACH, FL 32034-9035

Mortgage

Document Number	23281150
Date	Dec 31, 2019
Book Page	002328/001150
Instrument	45040960

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 30, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 85346 Champlain Dr was $10,441, up 4% 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	$10,441.00 (+3.95%)	$500,928 (+4.18%) Land $75,000 Building $425,928	$500,928 (+4.18%) Land $75,000 Building $425,928
2024	$10,044.00 (+7.43%)	$480,819 (+3.87%) Land $75,000 Building $405,819	$480,819 (+3.87%) Land $75,000 Building $405,819
2023	$9,349.00 (+16.19%)	$462,907 (+22.88%) Land $75,000 Building $387,907	$462,907 (+22.88%) Land $75,000 Building $387,907
2022	$8,046.00	$376,709 Land $68,250 Building $308,459	$376,709 Land $68,250 Building $308,459

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

Flood

FEMA maps place 85346 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 85346 Champlain Dr is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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 264 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