Nassau County property record for 234 Ponder Cir, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,327 sqft · built 2019 |
| Lot Size | 0.213 acres (9,260 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $504,000 (Apr 2020) |
| Tax Bill | $8,283 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-2N-27-1000-0079-0000 |
| Primary APN | 44-2N-27-1000-0079-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,327 sqft Living Area |
| 1st Floor Area | 2,141 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,260 sqft (0.213 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Porch | Florida Room |
| Porch Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 234 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 79 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 |
| Legal Phase | 1A |
| Legal Lot Number | 79 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 50306 |
234 Ponder Cir is owned and occupied by two individuals who bought it in April 2020.
Source: Nassau County records, as of April 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 234 PONDER CIR, YULEE, FL 32097-5434 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 12, 2026 | Deed of Trust, Mortgage · VA Mortgage PHH MORTGAGE SERVICES CORP |
| Apr 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Mar 4, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2020 · Amount on File |
| Deed Sale | Apr 3, 2020 · Amount on File |
| Prior Sale | Mar 4, 2019 · Amount on File |
| Deed Document Number | 202045010488 |
| Deed Book / Page | 2351 / 1560 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 234 PONDER CIR, YULEE, FL 32097-5434 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 234 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0028530575 |
|---|---|
| Date | Mar 12, 2026 |
| Book Page | 2853/575 |
| Instrument | 202645007426 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 3, 2020 |
| Property Address | 234 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0023511560 |
| Book / Page | 2351 / 1560 |
| Map Reference | MB 8 PG 203-213 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 202045010488 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | WATSON TTL SVCS OF NORTH FL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,528.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12604 ONDARA DR, 12604, AUSTIN, TX 78739-1519 |
| Name | Verified Name |
|---|---|
| Address | 234 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0023511562 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 2351/1562 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Mar 4, 2019 |
| Property Address | 234 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0022581495 |
| Book / Page | 2258 / 1495 |
| Map Reference | MB 8 PG 203-213 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 201945006463 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | DF TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,978.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742 |
| Name | Verified Name |
|---|---|
| Address | 234 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 201945006464 |
|---|---|
| Date | Mar 4, 2019 |
| Instrument | 201945006464 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 234 Ponder Cir was $8,283 with a homeowner's exemption, up 1.7% from the year before.
Source: Nassau County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,283.00 (+1.68%) Homeowner's exemption | $448,259 (+2.9%) | $588,570 (+4.49%) Land $100,000 Building $488,570 |
| 2024 | $8,146.00 (+1.41%) Homeowner's exemption | $435,626 (+3%) | $563,287 (+3.78%) Land $100,000 Building $463,287 |
| 2023 | $8,033.00 (+8.16%) Homeowner's exemption | $422,938 (+3%) | $542,796 (+32.19%) Land $100,000 Building $442,796 |
| 2022 | $7,427.00 Homeowner's exemption | $410,619 Land $75,000 Building $335,619 | $410,619 Land $75,000 Building $335,619 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 234 Ponder Cir in Zone X, an area of minimal flood risk.
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 File 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 risk around 234 Ponder Cir is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
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