Nassau County property record for 78010 Saddle Rock Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,002 sqft · built 2017 |
| Lot Size | 0.216 acres (9,437 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $232,300 (May 2018) |
| Tax Bill | $2,632 (2025) |
| Deeds & Mortgages | May 2018 Sale & Mortgage Mar 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2N-27-1290-0139-0000 |
| Primary APN | 09-2N-27-1290-0139-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,002 sqft Heated Area |
| Gross Area | 2,591 sqft |
| 1st Floor Area | 2,002 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,437 sqft (0.216 acres) |
| Garage Area | 400 sqft |
| Porch | Open Porch |
| Porch Area | 189 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 78010 SADDLE ROCK RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-3817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-2 |
| Legal Description | LOT 139 IN OR 2194/1728 LUMBER CREEK #1 PB 7/295 N/K/A LUMBER CREEK PHASE ONE REPLAT PB 8/121 |
| Legal Range | 27E |
| Legal Township | 02N |
| Legal Section | 09 |
| Legal Subdivision | LUMBER CREEK |
| Legal Phase | 1 |
| Legal Lot Number | 139 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 50306 |
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 | 78010 SADDLE ROCK RD, YULEE, FL 32097-3817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2018 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Mar 16, 2017 | Grant Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2018 · Amount on Record |
| Deed Sale | May 8, 2018 · Amount on Record |
| Deed Document Number | 201814049 |
| Deed Book / Page | 2194 / 1728 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | May 8, 2018 |
| Property Address | 78010 SADDLE ROCK RD, YULEE, FL 32097-3817 |
| Document Number | 0021941728 |
| Book / Page | 2194 / 1728 |
| Map Reference | MB8 PG121-127 |
| Instrument Date | May 1, 2018 |
| Instrument | 201814049 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3000 GULF BREEZE PKWY, 3000, GULF BREEZE, FL 32563-5623 |
| Name | Verified Name |
|---|---|
| Address | 78010 SADDLE, YULEE, FL 32097 |
| Document Number | 0201814050 |
|---|---|
| Date | May 8, 2018 |
| Instrument | 201814050 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Mar 16, 2017 |
| Property Address | 78010 SADDLE ROCK RD, YULEE, FL 32097-3817 |
| Document Number | 0021070469 |
| Book / Page | 002107 / 000469 |
| Instrument Date | Dec 29, 2016 |
| Instrument | 7850 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $81.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623 |
| Investor | Possibly a Property Investor |
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 | $2,632.00 (+1.54%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $216,855 (+2.9%) | $316,290 (+3.65%) Land $50,000 Building $266,290 |
| 2024 | $2,592.00 (+1.69%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $210,743 (+3%) | $305,153 (+3.63%) Land $50,000 Building $255,153 |
| 2023 | $2,549.00 (+10.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $204,605 (+3%) | $294,450 (+16.16%) Land $50,000 Building $244,450 |
| 2022 | $2,298.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $198,646 | $253,496 Land $50,000 Building $203,496 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 22 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · lower than 85% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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