$574,000
86120 MONTAUK Drive, Fernandina Beach, FL 32034
North Hampton
- Price
- $574,000
- Beds / Baths
- 4 / 3
- Living area
- 2,340 sqft
- Year built
- 2002
- Type
- Residential
- Lot
- 0.55 ac
- Garage
- 2
- HOA
- $219/mo
- CDD
- No
- Flood zone
- Unknown
- County
- Nassau
- Days on market
- 12
$245/sqft asking, vs a $254/sqft median across 1,186 closed sales in 32034 over the last 12 months — 3% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Welcome to 86120 Montauk Drive in North Hampton! Situated on an oversized .55-acre corner lot with peaceful lake and golf course views, this light-filled home offers 4 bedrooms, 3 full baths and 2,340 sq. ft. of flexible living space. Soaring ceilings and abundant natural light complement multiple living and dining areas. The kitchen features quartz countertops, stainless steel appliances, generous cabinetry and a bright breakfast area. French doors open to an expansive screened lanai overlooking the spacious yard. Three bedrooms and two full baths are located on the main level, while upstairs offers a private 4th bedroom with an en-suite bath, ideal for guests, an office, game room or second living space. North Hampton amenities include an Arnold Palmer-designed golf course, pool, tennis, pickleball, playground and The Outpost on Lofton Creek for kayaking and fishing. Just a short drive to Amelia Island beaches and downtown Fernandina Beach.
What to check on this one
- Verify flood zone designation and obtain elevation certificate for insurance/lender requirements.
- Request roof inspection report; 2002 home may approach insurer age limits in 3-4 years.
- Confirm HOA $219/mo covers what; ask for reserve study and any pending assessments.
- Review HOA rental restrictions if short-term rental is a future option.
- Inspect HVAC system age and service history; verify AC/heating capacity for 2,340 sq. ft.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $459,200 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of AMELIA ISLAND REAL ESTATE SERVICES. Data via realMLS (Northeast Florida MLS), updated Sep 2, 2026, 6:52 PM.
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