95094 Sandpiper Loop, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 95094 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	0.091 acres (3,980 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jun 2018)
Tax Bill	$6,443 (2025)
Deeds & Mortgages	Aug 2023 Transfer May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`00-00-30-0605-0304-0000`

Property Details

APN / Parcel Number

Primary APN	`00-00-30-0605-0304-0000`

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	3,980 sqft (0.091 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	95094 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 304 THE SANDPIPER 1 PB 4/78 & 79
Legal Range	28E
Legal Township	02N
Legal Section	13
Legal Subdivision	THE SANDPIPER
Legal Lot Number	304
Jurisdiction	NASSAU FL
Township / Civil Division	FERNANDINA BEACH
Census Block Group	2
Census Block	2039
Census Tract	50203

Owner

95094 Sandpiper Loop is owned and occupied by two individuals who acquired it in August 2023.

Source: Nassau County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	95094 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Date	Document
Aug 14, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MTG LNDG INC
Jun 14, 2018	Affidavit of Death, Transfer COMPASS MTG LNDG INC
Jun 14, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018 · Amount on File
Deed Sale	Jun 14, 2018 · Amount on File
Deed Document Number	201818543
Deed Book / Page	2203 / 1072
Last Transfer Date	Aug 9, 2023
Transfer Doc	0026610279
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Aug 14, 2023
Property Address	95094 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0026610279
Book / Page	2661 / 279
Map Reference	MB 4 PG 78&79
Instrument Date	Aug 9, 2023
Instrument	202345024852
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95094 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	95094 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	95094 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0024090753
Instrument Date	May 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95094 SANDPIPER LOOP FERNANDINA BEACH FL 320346215, FERNANDINA BEACH, FL 32034-6215

Mortgage

Document Number	0024090753
Date	Nov 18, 2020
Book Page	002409/000753
Instrument	45037450

Lender

Name	COMPASS MTG LNDG INC
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2050

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	NASSAU FL
Recording Date	Jun 14, 2018
Property Address	95094 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0022031069
Book / Page	002203 / 001069
Instrument Date	Jun 12, 2018
Instrument	18542
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,070.25
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	365 RIDGEWOOD AVE GLEN ELLYN IL 601374915, GLEN ELLYN, IL 60137-4915

Mortgage

Document Number	22031074
Date	Jun 14, 2018
Book Page	002203/001074
Instrument	18544

Lender

Name	COMPASS MTG LNDG INC
Address	WARRENVILLE, IL 60555

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 13, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 14, 2018
Property Address	95094 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0022031072
Book / Page	002203 / 001072
Instrument Date	Jun 12, 2018
Instrument	18543
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$3,185.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	365 RIDGEWOOD AVE GLEN ELLYN IL 601374915, GLEN ELLYN, IL 60137-4915

Tax Assessment & Valuation

The 2025 property tax bill for 95094 Sandpiper Loop was $6,443, up 1.2% 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	$6,443.00 (+1.23%)	$454,928 (+2.9%)	$880,222 (+6.15%) Land $725,000 Building $155,222
2024	$6,365.00 (+1.13%) Homeowner's exemption	$442,107 (+3%)	$829,188 (+26.56%) Land $675,000 Building $154,188
2023	$6,294.00 (+9.8%) Homeowner's exemption	$429,230 (+3%)	$655,191 (+18.41%) Land $500,000 Building $155,191
2022	$5,732.00 Homeowner's exemption	$416,728	$553,315 Land $400,000 Building $153,315

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

Flood

FEMA maps place 95094 Sandpiper Loop in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 95094 Sandpiper Loop is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
IQ Fiber Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: T-Mobile.

Cell Coverage

4G LTE only, no 5G reported

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