95074 Sandpiper Loop, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 95074 Sandpiper Loop, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,516 sqft · built 1979
Lot Size	0.092 acres (4,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Apr 2021)
Tax Bill	$12,473 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`00-00-30-0605-0202-0000`

Property Details

APN / Parcel Number

Primary APN	`00-00-30-0605-0202-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,516 sqft Living Area
Gross Area	1,564 sqft
1st Floor Area	576 sqft
Upper Floors Area	892 sqft
Basement Area	96 sqft
Finished Basement	48 sqft
Unfinished Basement	48 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	4,014 sqft (0.092 acres)
View / Lot	Waterfront
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	64 sqft
Deck Area	144 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	95074 SANDPIPER LOOP
City	FERNANDINA BEACH
State	FL
Zip	32034-6215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 202 THE SANDPIPER #1 PB 4/78 & 79
Legal Range	28E
Legal Township	02N
Legal Section	13
Legal Subdivision	THE SANDPIPER
Legal Lot Number	202
Jurisdiction	NASSAU FL
Township / Civil Division	FERNANDINA BEACH
Census Block Group	2
Census Block	2040
Census Tract	50203

Owner

Source: Nassau County records, as of August 14, 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	2755 S LOCUST ST, 150, DENVER, CO 80222-7131
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit SOUTHEASTERN BANK
Apr 19, 2021	Warranty Deed, Transfer · Conventional Mortgage VAST BANK NA
Dec 31, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Prior Sale	Dec 31, 2019 · Amount on Record
Deed Document Number	202145014148
Deed Book / Page	2453 / 1018
Prior Transfer Date	Jun 24, 2005
Prior Transfer Doc	0013331276
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Recording Date	Jul 14, 2026
Property Address	95074 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0000021328
Book / Page	2881 / 1734
Instrument Date	Jul 9, 2026
Instrument	202621328
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2755 S LOCUST ST, 150, DENVER, CO 80222-7131

Mortgage

Document Number	0000021328,
Date	Jul 14, 2026
Book Page	2881/1734
Instrument	202621328

Lender

Name	SOUTHEASTERN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 19, 2021
Property Address	95074 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0024531018
Book / Page	2453 / 1018
Map Reference	MB 4 PG 78&79
Instrument Date	Apr 16, 2021
Instrument	202145014148
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	113 ENCLAVE LN, 113, SAINT SIMONS ISLAND, GA 31522-5293

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2755 S LOCUST ST STE 150, 150, DENVER, CO 80222-7131

Mortgage

Document Number	24531020
Date	Apr 19, 2021
Instrument	2453/1020

Lender

Name	VAST BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 31, 2019
Property Address	95074 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0023281754
Book / Page	002328 / 001754
Instrument Date	Dec 30, 2019
Instrument	45041050
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	113 ENCLAVE LN ST SIMONS ISLAND GA 315225293, ST SIMONS ISLAND, GA 31522-5293

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	$12,473.00 (+6.27%)	$887,505 (+6.11%) Land $725,000 Building $162,505	$887,505 (+6.11%) Land $725,000 Building $162,505
2024	$11,737.00 (+14.32%)	$836,421 (+26.26%) Land $675,000 Building $161,421	$836,421 (+26.26%) Land $675,000 Building $161,421
2023	$10,267.00 (+20.07%)	$662,469 (+18.19%) Land $500,000 Building $162,469	$662,469 (+18.19%) Land $500,000 Building $162,469
2022	$8,551.00	$560,525 Land $400,000 Building $160,525	$560,525 Land $400,000 Building $160,525

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 630 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1,202 units insured incl. 572 condo units
Nearby Flood Claims	50 (1985–2025)
Claims Outside the SFHA	38 of 50
Most Recent Claim	Mar 2025 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 4 claims Hurricane Frances, Sep 2004 · 2 claims Severe Storms, Tornadoes & Flooding, Oct 1992 · 4 claims

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	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% 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	NASSAU-AMELIA UTILITIES private · serves 9,750 people · EPA ID FL2450022
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, IQ Fiber.

Cell Coverage

4G LTE only, no 5G reported

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