95096 Sandpiper Loop, Fernandina Beach, FL 32034 Property Records

Nassau County property record for 95096 Sandpiper Loop, Fernandina Beach, FL 32034

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,516 sqft · built 1979
Lot Size	0.091 acres (3,977 sqft)
Owner	2 Trust Names on File
Last Sale	$1,150,000 (Apr 2023)
Tax Bill	$14,436 (2025)
Deeds & Mortgages	Mar 2024 Transfer Apr 2023 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`00-00-30-0605-0305-0000`

Property Details

APN / Parcel Number

Primary APN	`00-00-30-0605-0305-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 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 2020
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,977 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	95096 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 305 THE SANDPIPER UNIT 1 PB 4/78 & 79
Legal Range	28E
Legal Township	02N
Legal Section	13
Legal Subdivision	THE SANDPIPER
Legal Lot Number	305
Legal Unit	1
Jurisdiction	NASSAU FL
Township / Civil Division	FERNANDINA BEACH
Census Block Group	2
Census Block	2039
Census Tract	50203

Owner

95096 Sandpiper Loop is held in a trust since January 2024.

Source: Nassau County records, as of December 29, 2025

Owner of Record	2 Trust Names on File
Mailing Address	85215 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034
Owner Type	Company
Vesting	Trust

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
Mar 13, 2024	Intrafamily Transfer, Transfer
Apr 25, 2023	Warranty Deed, Transfer NOT AVAILABLE, SEASPRAY SETTLEMENT SVCS LLC
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST CITIZENS BANK & TRUST CO
May 17, 2021	Correction Deed ATTORNEY
May 17, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 30, 2020	Quit Claim Deed, Transfer TIAA FSB
May 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2023 · Amount on File
Deed Sale	Apr 25, 2023 · Amount on File
Prior Sale	May 17, 2021 · Amount on File
Deed Document Number	202311667
Deed Book / Page	2633 / 806
Last Transfer Date	Jan 19, 2024
Transfer Doc	0026991248
Record Updated	Jun 8, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Mar 13, 2024
Property Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0026991248
Book / Page	2699 / 1248
Map Reference	MB 4 PGS 78 THROUGH
Instrument Date	Jan 19, 2024
Instrument	202445006854
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85215 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85215 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 25, 2023
Property Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0026330806
Book / Page	2633 / 806
Map Reference	MB 4 PG 78&79
Instrument Date	Apr 19, 2023
Instrument	202345011667
Transaction Type	Transfer
Record Updated	May 18, 2023
Title Company	NOT AVAILABLE, SEASPRAY SETTLEMENT SVCS LLC

Transaction

Amount	Amount on Record
Tax	$8,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1656 BULLOCK CIR, OWINGS MILLS, MD 21117-1609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85215 CHAMPLAIN DR, FERNANDINA BEACH, FL 32034-9034

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Transaction Type	Mortgage
Record Updated	Jul 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1656 BULLOCK CIR, OWINGS MILLS, MD 21117-1609

Mortgage

Document Number	0024660998
Date	Jun 1, 2021
Book Page	2466/998
Instrument	202145020294

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

May 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	NASSAU FL
Recording Date	May 17, 2021
Property Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0024620139
Book / Page	2462 / 139
Map Reference	MB 4 PG 78&79
Instrument Date	May 14, 2021
Instrument	202145018279
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 17, 2021
Property Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0024620140
Book / Page	2462 / 140
Map Reference	MB 4 PG 78&79
Instrument Date	May 14, 2021
Instrument	202145018280
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$6,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 SANDPIPER LN, 15, BIRCH ISLAND, ME 04011-8138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1656 BULLOCK CIR, OWINGS MILLS, MD 21117-1609

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 30, 2020
Property Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0023720366
Book / Page	002372 / 000366
Instrument Date	Jun 8, 2020
Instrument	45019913
Transaction Type	Transfer
Record Updated	Aug 19, 2020
Title Company	ELITE LENDER SERVICES INC, ELITE LENDER SVCS INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	95096 SANDPIPER LOOP FERNANDINA BEACH FL 320346215, FERNANDINA BEACH, FL 32034-6215

Mortgage

Document Number	23720368
Date	Jun 30, 2020
Book Page	002372/000368
Instrument	45019914

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	May 18, 2017
Property Address	95096 SANDPIPER LOOP, FERNANDINA BEACH, FL 32034-6215
Document Number	0021210441
Book / Page	002121 / 000441
Instrument Date	May 16, 2017
Instrument	14892
Transaction Type	Transfer
Record Updated	May 30, 2017
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	Personal Trust
Address	12751 MILLENNIUM #403 PLAYA VISTA CA 900942961, 403, PLAYA VISTA, CA 90094-2961

Tax Assessment & Valuation

The 2025 property tax bill for 95096 Sandpiper Loop was $14,436, up 4.3% 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	$14,436.00 (+4.27%)	$928,641 (+6.18%) Land $725,000 Building $203,641	$928,641 (+6.18%) Land $725,000 Building $203,641
2024	$13,845.00 (+27.03%)	$874,617 (+24.82%) Land $675,000 Building $199,617	$874,617 (+24.82%) Land $675,000 Building $199,617
2023	$10,899.00 (+24.22%)	$700,683 (+21.83%) Land $500,000 Building $200,683	$700,683 (+21.83%) Land $500,000 Building $200,683
2022	$8,774.00	$575,136 Land $400,000 Building $175,136	$575,136 Land $400,000 Building $175,136

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

Flood

FEMA maps place 95096 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 95096 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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