85428 Sagaponack Dr, Fernandina Beach, FL, 32034
About This Home
This Fernandina Beach residence offers 4 bedrooms, including a spacious primary suite, 3 full bathrooms, a 3-car garage, and nearly 2,700 square feet of living space in the highly desirable North Hampton community. Situated on a private, fenced conservation lot with mature landscaping, this elegant single-level home features a split floor plan with soaring cathedral ceilings, spacious living areas, and abundant storage throughout. Interior details include crown molding, luxury vinyl plank flooring, updated fixtures, and a recently remodeled kitchen with quartz countertops, an oversized island, additional storage, stainless steel appliances, and an auxiliary icemaker. Outdoor living is equally impressive with an expansive paver patio offering more than 500 square feet of entertaining space, complete with a mounted television. Additional updates include a new roof in 2022, exterior paint in 2025, and a new water heater in 2026. The home is pre-wired for indoor and outdoor audio and prospective pool plans are on file. North Hampton residents enjoy exceptional amenities including a resort-style pool, clubhouse, playground, tennis and pickleball courts, basketball courts, soccer and sports fields, a pétanque court, and The Outpost on Lofton Creek featuring a canoe/kayak launch, fishing dock, fire pits, picnic area, full kitchen, and oyster roaster. Golf enthusiasts will appreciate The Golf Club at North Hampton, home to an Arnold Palmer-designed Scottish links-style course, plus clubhouse dining, a bar, and pro shop. Conveniently located near shopping, dining, parks, pristine beaches, and historic downtown Fernandina Beach, this home offers luxury, lifestyle, and location—with NO CDD fees and an available financing incentive!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 2006
Materials
- Roof: Shingle
- Construction materials: Frame,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch,One Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Disposal,Microwave,Oven,Refrigerator,Stove,Washer,Ice Maker
Bathroom
- Level: Main
- Dimensions: 5x10
Bathroom
- Level: Main
- Dimensions: 5x8
Bedroom
- Level: Main
- Dimensions: 13x14
Bedroom
- Level: Main
- Dimensions: 11x12
Bedroom
- Level: Main
- Dimensions: 11x11
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Level: Main
- Dimensions: 15x12
Family Room
- Level: Main
- Dimensions: 26x18
Features
- Ceiling Fan(s),Fireplace,Other,Split Bedrooms,See Remarks,Cable TV,Vaulted Ceiling(s),Workshop,Window Treatments
- Window features: Insulated Windows,Blinds
- Fireplace: Yes
Heating & Cooling
- Heating features: Central,Electric,Heat Pump
- Cooling features: Central Air,Electric,Heat Pump
Interior Area
- Total structure area: 2,657
- Total interior livable area: 2,657 sqft
Kitchen
- Level: Main
- Dimensions: 20x17
Living Room
- Level: Main
- Dimensions: 15x13
Master Bathroom
- Level: Main
- Dimensions: 15x10
Master Bedroom
- Level: Main
- Dimensions: 15x25
Utility Room
- Level: Main
- Dimensions: 5x8
Property
Details
- Parcel number: 122N27146005660000
- Zoning: PUD
- Special condition: None
Features
- Levels: One
- Stories: 1
- Pool features: Community
- Patio & porch: Rear Porch,Brick,Covered,Open,Patio
- Exterior features: Fence,Sprinkler/Irrigation,Other,See Remarks
- Frontage type: Preservation
Lot
- Lot size: 10,018 sqft
- Lot size dimensions: 65 x 161 x 67 x 146
Parking
- Total spaces: 3
- Parking features: Three Car Garage,Three or more Spaces,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Coastal Flooding
- Hurricane
- Heat Wave
- Tornado
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Nassau County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,033 | $36,396 |
| Home Insurance * | $388 | $4,656 |
| Property Taxes | $640 | $7,680 |
| Electricity | $267 | $3,208 |
| Total | $4,328 | $51,936 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-18 | Price change | $620,000 |
| 2026-02-12 | Listed for sale | $625,000 |
| 2026-02-01 | Pending sale | $625,000 |
| 2025-12-12 | Listed for sale | $625,000 |
| 2016-02-12 | Sold | $289,900 |
| 2015-12-16 | Pending sale | $289,900 |
| 2015-12-10 | Price change | $289,900 |
| 2015-11-10 | Price change | $309,900 |
| 2015-10-06 | Listed for sale | $337,500 |
| 2015-07-28 | Listing removed | -- |
| 2015-07-08 | Listed for sale | -- |
| 2006-05-18 | Sold | $362,000 |
For Sale by Agent
View on Zillow