226 Ponder Cir, Yulee, FL 32097 Property Records

Nassau County property record for 226 Ponder Cir, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,723 sqft · built 2018
Lot Size	0.339 acres (14,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$452,200 (Dec 2018)
Tax Bill	$7,979 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Jan 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`44-2N-27-1000-0081-0000`

Property Details

APN / Parcel Number

Primary APN	`44-2N-27-1000-0081-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,723 sqft Heated Area
Gross Area	5,086 sqft
1st Floor Area	1,818 sqft
Upper Floors Area	1,985 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,795 sqft (0.339 acres)
Garage Area	841 sqft
Porch	Open Porch
Porch Area	555 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	226 PONDER CIR
City	YULEE
State	FL
Zip	32097-5434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD - ENCPA
Legal Description	LOT 81 IN OR 2242/1155 ESMT PT OR 2176/356 EAST NASSAU-WILDLIGHT PHASE 1A PBK 8/203
Legal Range	27E
Legal Township	02N
Legal Section	44
Legal Subdivision	EAST NASSAU-WILDLIGHT PHASE 1A
Legal Lot Number	81
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2051
Census Tract	50306

Owner

Source: Nassau County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	226 PONDER CIR, YULEE, FL 32097-5434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jan 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Nov 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Dec 11, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018 · Amount on Record
Deed Sale	Dec 11, 2018 · Amount on Record
Deed Document Number	201845038048
Deed Book / Page	2242 / 1155
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	226 PONDER CIR, YULEE, FL 32097-5434
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 PONDER CIR, WILDLIGHT, FL 32097-5434

Mortgage

Document Number	0028261263
Date	Nov 3, 2025
Book Page	2826/1263
Instrument	202545033255

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2040

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	226 PONDER CIR, YULEE, FL 32097-5434
Transaction Type	Mortgage
Record Updated	Jan 31, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 PONDER CIR, YULEE, FL 32097-5434

Mortgage

Document Number	0025280053
Date	Jan 11, 2022
Book Page	2528/53
Instrument	202245000978

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2032

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	226 PONDER CIR, YULEE, FL 32097-5434
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 PONDER CIR, YULEE, FL 32097-5434

Mortgage

Document Number	0024070251
Date	Nov 9, 2020
Book Page	2407/251
Instrument	202045036328

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 11, 2018
Property Address	226 PONDER CIR, YULEE, FL 32097-5434
Document Number	0022421155
Book / Page	002242 / 001155
Instrument Date	Nov 30, 2018
Instrument	45038048
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,164.88
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	226 PONDER CIR YULEE FL 320975434, YULEE, FL 32097-5434

Mortgage

Document Number	22421157
Date	Dec 11, 2018
Book Page	002242/001157
Instrument	45038049

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2048

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	$7,979.00 (+1.71%) Homeowner's exemption	$428,473 (+2.9%)	$667,588 (+2.5%) Land $100,000 Building $567,588
2024	$7,845.00 (+1.42%) Homeowner's exemption	$416,397 (+3%)	$651,332 (+3.89%) Land $100,000 Building $551,332
2023	$7,735.00 (+8.12%) Homeowner's exemption	$404,269 (+3%)	$626,953 (+32.28%) Land $100,000 Building $526,953
2022	$7,154.00 Homeowner's exemption	$392,494	$473,954 Land $75,000 Building $398,954

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	44 in force

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

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	JEA: LOFTON OAKS GRID private · serves 24,318 people · EPA ID FL2454338
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber · Cable in parts of the area	2,000 / 2,000

May also be available: Verizon.

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