Nassau County property record for 78049 Saddle Rock Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,629 sqft · built 2017 |
| Lot Size | 0.219 acres (9,544 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $214,900 (Sep 2017) |
| Tax Bill | $2,274 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2N-27-1290-0218-0000 |
| Primary APN | 09-2N-27-1290-0218-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,629 sqft Living Area |
| Gross Area | 2,029 sqft |
| 1st Floor Area | 1,629 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,544 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 91 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 78049 SADDLE ROCK RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-3824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-2 |
| Legal Description | LOT 218 IN OR 2146/509 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 #1 |
| Legal Lot Number | 218 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 50306 |
78049 Saddle Rock Rd is owned and occupied by two individuals who bought it in September 2017.
Source: Nassau County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 78049 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| 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 |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 19, 2017 | Grant Deed, Subdivision Related Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2017 · Amount on File |
| Deed Sale | Sep 19, 2017 · Amount on File |
| Prior Sale | Sep 16, 2016 · Amount on File |
| Deed Document Number | 201727201 |
| Deed Book / Page | 2146 / 509 |
| Prior Transfer Date | Sep 2, 2016 |
| Prior Transfer Doc | 0020720364 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 78049 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 78049 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0025350279 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | 2535/279 |
| Instrument | 202245003887 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Sep 19, 2017 |
| Property Address | 78049 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0021460509 |
| Book / Page | 002146 / 000509 |
| Instrument Date | Sep 8, 2017 |
| Instrument | 27201 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 27, 2017 |
| Title Company | SUNBELT TITLE (AGENCY) |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,504.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 78049 SADDLE ROCK RD YULEE FL 320973824, YULEE, FL 32097-3824 |
| Document Number | 21460510 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 002146/000510 |
| Instrument | 27202 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2047 |
The 2025 property tax bill for 78049 Saddle Rock Rd was $2,274 with a homeowner's exemption, up 1.5% 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 | $2,274.00 (+1.52%) Homeowner's exemption | $188,531 (+2.9%) | $276,660 (+3.77%) Land $50,000 Building $226,660 |
| 2024 | $2,240.00 (+1.73%) Homeowner's exemption | $183,218 (+3%) | $266,614 (+3.74%) Land $50,000 Building $216,614 |
| 2023 | $2,202.00 (+11.04%) Homeowner's exemption | $177,882 (+3%) | $256,990 (+15.88%) Land $50,000 Building $206,990 |
| 2022 | $1,983.00 Homeowner's exemption | $172,701 | $221,781 Land $50,000 Building $171,781 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78049 Saddle Rock Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 78049 Saddle Rock Rd is moderate, ranking above 44% of the US, with a 0.07% annual chance of wildfire.
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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