95081 Turtle Ln, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 95081 Turtle Ln, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,632 sqft · built 2007
Lot Size	2.77 acres (120,661 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Feb 2012)
Tax Bill	$5,667 (2025)
Flood Zone	Zone AE (high risk)
APN	`45-2N-28-535J-0001-0000`

Property Details

APN / Parcel Number

Primary APN	`45-2N-28-535J-0001-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,112 sqft
1st Floor Area	960 sqft
Upper Floors Area	672 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	120,661 sqft (2.77 acres)
Garage Type	Attached
Garage Area	480 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	168 sqft
Deck Area	Deck Area
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	95081 TURTLE LN
City	FERNANDINA BEACH
State	FL
Zip	32034-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	LOT 1 IN OR 1776/1325 F/K/A PT OF LOT 26 (S-1) HOLLY POINT EAST PB 6/160 JOHNSONS HAMMOCK PB 7/331
Legal Range	28E
Legal Township	02N
Legal Section	45
Legal Subdivision	HOLLY POINT EAST
Legal Lot Number	J0001
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1003
Census Tract	50309

Owner

95081 Turtle Ln is owned by an individual who bought it in February 2012.

Source: Nassau County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	95084 TURTLE LN, FERNANDINA BEACH, FL 32034-1503
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	Name on Deed
Last Sale	Feb 1, 2012 · Amount on File
Deed Sale	Feb 1, 2012 · Amount on File
Deed Document Number	20122933
Deed Book / Page	1776 / 1325
Prior Transfer Date	Jan 24, 2012
Prior Transfer Doc	0017761325
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 95081 Turtle Ln was $5,667, up 1% from the year before.

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	$5,667.00 (+1%)	$430,303 (+14.41%) Land $166,200 Building $264,103	$430,303 (+14.41%) Land $166,200 Building $264,103
2024	$5,152.00 (+4.48%)	$376,117 (+3.1%) Land $124,650 Building $251,467	$376,117 (+3.1%) Land $124,650 Building $251,467
2023	$4,931.00 (+29.25%)	$364,824 (+37.1%) Land $124,650 Building $240,174	$364,824 (+37.1%) Land $124,650 Building $240,174
2022	$3,815.00	$266,108 Land $83,100 Building $183,008	$266,108 Land $83,100 Building $183,008

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

Flood

FEMA maps place 95081 Turtle Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	7.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 98 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	98 in force
Nearby Flood Claims	16 (2016–2024)
Claims Outside the SFHA	2 of 16
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Nicole, Nov 2022 · 2 claims Hurricane Irma, Sep 2017 · 7 claims Hurricane Matthew, Oct 2016 · 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

Wildfire risk around 95081 Turtle Ln is moderate, ranking above 53% 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 53% of the US · lower than 75% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30