3198 Rowe Ave, Bryceville, FL 32009 Property Records

Nassau County property record for 3198 Rowe Ave, Bryceville, FL 32009

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,435 sqft · built 2003
Lot Size	40 acres (1,742,400 sqft)
Owner	Individual Name on Record
Last Sale	$990,000 (Mar 2022)
Tax Bill	$12,548 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-1N-23-0000-0002-0000`

Property Details

APN / Parcel Number

Primary APN	`06-1N-23-0000-0002-0000`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,435 sqft Heated Area
Gross Area	5,225 sqft
1st Floor Area	2,328 sqft
Upper Floors Area	2,107 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	1,742,400 sqft (40 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	790 sqft
Patio Area	815 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3198 ROWE AVE
City	BRYCEVILLE
State	FL
Zip	32009-1104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	SW1/4 OF SW1/4 IN OR 2544/790 ESMT IN OR 862/861 ESMT OR 1056/1642
Legal Range	23E
Legal Township	01N
Legal Section	06
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3030
Census Tract	50504

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3198 ROWE AVE, BRYCEVILLE, FL 32009-1104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT FINANCIAL SERVICES INC
Mar 4, 2022	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Aug 14, 2019	Special Warranty Deed, Transfer · Line of Credit COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Aug 14, 2019 · Amount on Record
Deed Document Number	0002544790
Deed Book / Page	2544 / 790
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	3198 ROWE AVE, BRYCEVILLE, FL 32009-1104
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	NORTH CENTRAL TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023631588
Date	May 27, 2020
Book Page	2363/1588
Instrument	202045015812

Lender

Name	SOUTHPOINT FINANCIAL SERVICES INC
Type	Subprime Lender
Address	ALPHARETTA, GA 30005

Agreement

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

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 4, 2022
Property Address	3198 ROWE AVE, BRYCEVILLE, FL 32009-1104
Document Number	0025440790
Book / Page	2544 / 790
Instrument Date	Mar 4, 2022
Instrument	202245008266
Transaction Type	Transfer
Record Updated	Feb 29, 2024
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,930.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 179, BRYCEVILLE, FL 32009-0179

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3198 ROWE AVE, BRYCEVILLE, FL 32009-1104

Mortgage

Document Number	0002544798
Date	Mar 4, 2022
Instrument	2544/798

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 14, 2019
Property Address	3198 ROWE AVE, BRYCEVILLE, FL 32009-1104
Document Number	0022970930
Book / Page	2297 / 0930
Instrument Date	Jul 10, 2019
Instrument	201945026274
Transaction Type	Transfer
Record Updated	Jul 5, 2022
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,826.60
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8480 STAGECOACH CIR, 8480, FREDERICK, MD 21701-4747

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6661 CHURCH AVE, BRYCEVILLE, FL 32009-1847

Mortgage

Document Number	0022970933
Date	Aug 14, 2019
Instrument	2297-0933

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$12,548.00 (+1.17%) Homeowner's exemption	$857,727 (+2.9%)	$974,332 (+5.25%) Land $340,000 Building $634,332
2024	$12,403.00 (+1%) Homeowner's exemption	$833,554 (+3%)	$925,746 (+2.83%) Land $320,000 Building $605,746
2023	$12,280.00 (+210.41%) Homeowner's exemption	$809,276 (+166.35%)	$900,252 (+23.86%) Land $320,000 Building $580,252
2022	$3,956.00 Homeowner's exemption	$303,845 Land $51,570 Building $252,275	$726,834

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 28 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	50 / 3

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