Nassau County property record for 242 Ponder Cir, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,925 sqft · built 2019 |
| Lot Size | 0.232 acres (10,138 sqft) |
| Owner | Individual Name on File |
| Last Sale | $815,000 (Jul 2022) |
| Tax Bill | $12,395 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 44-2N-27-1000-0077-0000 |
| Primary APN | 44-2N-27-1000-0077-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,925 sqft Heated Area |
| Gross Area | 4,252 sqft |
| 1st Floor Area | 2,127 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,138 sqft (0.232 acres) |
| Garage Type | Detached |
| Garage Area | 744 sqft |
| Porch | Open Porch |
| Porch Area | 503 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 242 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 77 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 Phase | 1A |
| Legal Lot Number | 77 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 50306 |
242 Ponder Cir is owned and occupied by an individual who bought it in July 2022.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 242 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 |
|---|---|
| Dec 3, 2025 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Dec 3, 2025 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Jul 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage ATHAS CAPITAL GROUP INC |
| Jul 2, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GATEWAY FIRST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 5, 2022 · Amount on File |
| Deed Sale | Jul 5, 2022 · Amount on File |
| Prior Sale | Jul 2, 2020 · Amount on File |
| Deed Document Number | 202245023520 |
| Deed Book / Page | 2575 / 471 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0028321604 |
|---|---|
| Date | Dec 3, 2025 |
| Book Page | 2832/1604 |
| Instrument | 202545036301 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 25, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0028321717 |
|---|---|
| Date | Dec 3, 2025 |
| Book Page | 2832/1717 |
| Instrument | 202545036341 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 25, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Jul 5, 2022 |
| Property Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0025750471 |
| Book / Page | 2575 / 471 |
| Map Reference | MB 8 PG 203-213 |
| Instrument Date | Jul 1, 2022 |
| Instrument | 202245023520 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,705.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 312 SALT MEADOW LOOP, 312, YULEE, FL 32097-0095 |
| Name | Verified Name |
|---|---|
| Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0002575472 |
|---|---|
| Date | Jul 5, 2022 |
| Instrument | 2575/472 |
| Name | ATHAS CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Jul 2, 2020 |
| Property Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0023721921 |
| Book / Page | 2372 / 1921 |
| Map Reference | MB 8 PG 203-213 |
| Instrument Date | Jul 1, 2020 |
| Instrument | 202045020198 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,353.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9301 OLD KINGS RD S, 9301, JACKSONVILLE, FL 32257-6199 |
| Name | Verified Name |
|---|---|
| Address | 242 PONDER CIR, YULEE, FL 32097-5434 |
| Document Number | 0023721922 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 2372/1922 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 242 Ponder Cir was $12,395, up 2.5% from the year before.
Source: Nassau County assessment roll, as of July 1, 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 | $12,395.00 (+2.5%) | $675,758 (+4.23%) Land $100,000 Building $575,758 | $675,758 (+4.23%) Land $100,000 Building $575,758 |
| 2024 | $12,093.00 (+1.82%) | $648,336 (+3.92%) Land $100,000 Building $548,336 | $648,336 (+3.92%) Land $100,000 Building $548,336 |
| 2023 | $11,877.00 (+67.28%) | $623,892 (+60.43%) Land $100,000 Building $523,892 | $623,892 (+60.43%) Land $100,000 Building $523,892 |
| 2022 | $7,100.00 Homeowner's exemption | $388,880 Land $75,000 Building $313,880 | $388,880 Land $75,000 Building $313,880 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 242 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 242 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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