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78058 Saddle Rock Rd, Yulee, FL 32097 Property Records

Nassau County property record for 78058 Saddle Rock Rd, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,383 sqft · built 2017
Lot Size0.203 acres (8,842 sqft)
Owner2 Individual Names on File
Last Sale$194,900 (Aug 2017)
Tax Bill$2,143 (2025)
Deeds & MortgagesOct 2018 Sale
Aug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-2N-27-1290-0135-0000

Property Details

APN / Parcel Number

Primary APN09-2N-27-1290-0135-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,383 sqft Living Area
Gross Area1,803 sqft
1st Floor Area1,383 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialOther
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,842 sqft (0.203 acres)
Garage TypeAttached
Garage Area420 sqft
PorchFinished/Open Porch
Porch Area118 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address78058 SADDLE ROCK RD
CityYULEE
StateFL
Zip32097-3817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-2
Legal DescriptionLOT 135 IN OR 2139/1291 LUMBER CREEK #1 PB 7/295 N/K/A LUMBER CREEK PHASE ONE REPLAT PB 8/121
Legal Range27E
Legal Township02N
Legal Section09
Legal SubdivisionLUMBER CREEK #1
Legal Lot Number135
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1012
Census Tract50306

Owner

78058 Saddle Rock Rd is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record2 Individual Names on File
Mailing Address78058 SADDLE ROCK RD, YULEE, FL 32097-3817
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 19, 2018Grant Deed, Subdivision Related Transfer
SUNBELT TITLE (AGENCY)
Aug 11, 2017Grant Deed, Subdivision Related Transfer · FHA Mortgage
CITYWIDE HMS LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 11, 2017 · Amount on File
Deed SaleAug 11, 2017 · Amount on File
Prior SaleSep 16, 2016 · Amount on File
Deed Document Number201724067
Deed Book / Page2139 / 1291
Prior Transfer DateSep 2, 2016
Prior Transfer Doc0020720364
Record UpdatedJun 8, 2026

October 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionNASSAU FL
Recording DateOct 19, 2018
Property Address78058 SADDLE ROCK RD, YULEE, FL 32097-3817
Document Number0022311110
Book / Page002231 / 001110
Instrument DateOct 15, 2018
Instrument45032662
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 7, 2018
Title CompanySUNBELT TITLE (AGENCY)

Transaction

AmountAmount on Record
Tax$1,483.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1805 MOUNTSIDE DR NORTH AUGUSTA SC 298412094, NORTH AUGUSTA, SC 29841-2094

August 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionNASSAU FL
Recording DateAug 11, 2017
Property Address78058 SADDLE ROCK RD, YULEE, FL 32097-3817
Document Number0021391291
Book / Page002139 / 001291
Instrument DateAug 7, 2017
Instrument24067
Transaction TypeSubdivision Related Transfer
Record UpdatedSep 21, 2017
Title CompanySUNBELT TITLE (AGENCY)

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,364.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address78058 SADDLE ROCK RD YULEE FL 320973817, YULEE, FL 32097-3817

Mortgage

Document Number21391292
DateAug 11, 2017
Book Page002139/001292
Instrument24068
Lender
NameCITYWIDE HMS LNS
TypeFunding / Finance Company
AddressSANDY, UT 84070
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueAug 10, 2047

Mortgage

Document Number21391305,
DateAug 11, 2017
Book Page002139/001305
Instrument24069
Lender
NameCITYWIDE HMS LNS
TypeFunding / Finance Company
AddressSANDY, UT 84070
Agreement
AmountAmount on Record
Term360 Months
DueAug 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 78058 Saddle Rock Rd was $2,143 with a homeowner's exemption, up 1.6% from the year before.

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,143.00 (+1.56%) Homeowner's exemption$180,006 (+2.9%)$263,761 (+3.71%) Land $50,000 Building $213,761
2024$2,110.00 (+1.74%) Homeowner's exemption$174,933 (+3%)$254,319 (+3.69%) Land $50,000 Building $204,319
2023$2,074.00 (+11.15%) Homeowner's exemption$169,838 (+3%)$245,264 (+15.79%) Land $50,000 Building $195,264
2022$1,866.00 Homeowner's exemption$164,891$211,815 Land $50,000 Building $161,815

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

Flood

FEMA maps place 78058 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 22 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies22 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

Wildfire risk around 78058 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 RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemJEA: LOFTON OAKS GRID
private · serves 24,318 people · EPA ID FL2454338
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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