32098 Settlers Ridge Dr, Bryceville, FL 32009 Property Records

Nassau County property record for 32098 Settlers Ridge Dr, Bryceville, FL 32009

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,373 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Dec 2018)
Tax Bill	$4,685 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-1S-24-1935-0002-0000`

Property Details

APN / Parcel Number

Primary APN	`10-1S-24-1935-0002-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,373 sqft Living Area
Gross Area	3,928 sqft
1st Floor Area	3,120 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2009
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	555 sqft

Exterior Amenities

Pool Area	480 sqft
Porch	Florida Room
Porch Area	492 sqft
Deck Area	295 sqft
Shed	1 Shed
Shed Area	49 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	32098 SETTLERS RIDGE DR
City	BRYCEVILLE
State	FL
Zip	32009-2555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 2 IN OR 2240/1554 SETTLERS RIDGE @ CALICO PB 6/243
Legal Range	24E
Legal Township	01S
Legal Section	10
Legal Subdivision	SETTLERS RIDGE
Legal Lot Number	2
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2016
Census Tract	50504

Owner

32098 Settlers Ridge Dr is owned and occupied by two individuals who bought it in December 2018.

Source: Nassau County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	32098 SETTLERS RIDGE DR, BRYCEVILLE, FL 32009-2555
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 3, 2018	Warranty Deed, Transfer · Conventional Mortgage WATSON MORTGAGE CORP
Dec 3, 2018	Quit Claim Deed, Transfer TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on File
Deed Sale	Dec 3, 2018 · Amount on File
Prior Sale	Apr 18, 2007 · Amount on File
Deed Document Number	201845037086
Deed Book / Page	2240 / 1554
Prior Transfer Date	Nov 1, 2018
Prior Transfer Doc	0022401552
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	32098 SETTLERS RIDGE DR, BRYCEVILLE, FL 32009-2555
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023041539
Date	Sep 19, 2019
Book Page	2304/1539
Instrument	201945029932

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 3, 2018
Property Address	32098 SETTLERS RIDGE DR, BRYCEVILLE, FL 32009-2555
Document Number	0022401554
Book / Page	2240 / 1554
Map Reference	MB 6 PG 243&244
Instrument Date	Dec 3, 2018
Instrument	201845037086
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	TOTAL TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 E BAY ST, 440, JACKSONVILLE, FL 32202-2902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32098 SETTLERS RIDGE DR, BRYCEVILLE, FL 32009-2555

Mortgage

Document Number	201845037087
Date	Dec 3, 2018
Instrument	201845037087

Lender

Name	WATSON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2034

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 3, 2018
Property Address	32098 SETTLERS RIDGE DR, BRYCEVILLE, FL 32009-2555
Document Number	0022401552
Book / Page	002240 / 001552
Instrument Date	Nov 1, 2018
Instrument	45037085
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	TEXAS TITLE SOLUTIONS, TOTAL TITLE SOLUTIONS

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32098 SETTLERS RIDGE DR BRYCEVILLE FL 320092555, BRYCEVILLE, FL 32009-2555

Tax Assessment & Valuation

The 2025 property tax bill for 32098 Settlers Ridge Dr was $4,685 with a homeowner's exemption, up 1.3% from the year before.

Source: Nassau County assessment roll, as of November 26, 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	$4,685.00 (+1.32%) Homeowner's exemption	$345,556 (+2.9%)	$536,094 (+5.78%) Land $45,000 Building $491,094
2024	$4,624.00 (+1.25%) Homeowner's exemption	$335,817 (+3%)	$506,824 (+12.58%) Land $35,000 Building $471,824
2023	$4,567.00 (+10.13%) Homeowner's exemption	$326,036 (+3%)	$450,202 (+29.28%) Land $30,000 Building $420,202
2022	$4,147.00 Homeowner's exemption	$316,540	$348,226 Land $30,000 Building $318,226

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

Flood

FEMA maps place 32098 Settlers Ridge Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2008.

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 13 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2008–2012)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 2012 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Jun 2012 · 2 claims

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

Wildfire risk around 32098 Settlers Ridge Dr is moderate, ranking above 63% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 63% of the US · lower than 61% 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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