1. Home
  2. Florida
  3. Nassau County
  4. Yulee
  5. Saddle Rock Rd

78074 Saddle Rock Rd, Yulee, FL 32097 Property Records

Nassau County property record for 78074 Saddle Rock Rd, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,091 sqft · built 2017
Lot Size0.203 acres (8,874 sqft)
OwnerIndividual Name on File
Last Sale$285,000 (Mar 2021)
Tax Bill$3,301 (2025)
Deeds & MortgagesDec 2019 Mortgage
Mar 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-2N-27-1290-0134-0000

Property Details

APN / Parcel Number

Primary APN09-2N-27-1290-0134-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,091 sqft Heated Area
Gross Area2,693 sqft
1st Floor Area2,091 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialBrick Veneer
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,874 sqft (0.203 acres)
Garage Area462 sqft
PorchOpen Porch
Porch Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address78074 SADDLE ROCK RD
CityYULEE
StateFL
Zip32097-3817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-2
Legal DescriptionLOT 134 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
Legal Phase1
Legal Lot Number134
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1012
Census Tract50306

Owner

Source: Nassau County records, as of January 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address78074 SADDLE ROCK RD, YULEE, FL 32097-3817
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 26, 2019Deed of Trust, Mortgage · FHA Mortgage
FBC MORTGAGE LLC
Mar 24, 2021Warranty Deed, Transfer · VA Mortgage
HOME POINT FINANCIAL CORPORATION
Mar 30, 2017Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 24, 2021 · Amount on File
Deed SaleMar 24, 2021 · Amount on File
Prior SaleMar 30, 2017 · Amount on File
Deed Document Number202145010597
Deed Book / Page2445 / 1429
Record UpdatedJun 8, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address78074 SADDLE ROCK RD, YULEE, FL 32097-3817
Transaction TypeMortgage
Record UpdatedJan 14, 2022
Title CompanyCLEAR TITLE OF FLORIDA LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023270245
DateDec 26, 2019
Book Page2327/0245
Instrument201945040457
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJan 1, 2050

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateMar 24, 2021
Property Address78074 SADDLE ROCK RD, YULEE, FL 32097-3817
Document Number0024451429
Book / Page2445 / 1429
Map ReferenceMB 8 PG 121-127
Instrument DateMar 23, 2021
Instrument202145010597
Transaction TypeTransfer
Record UpdatedJan 14, 2022
Title CompanyGUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address15794 NORTHSIDE DR W, 15794, JACKSONVILLE, FL 32218-8403

Transferred To (Grantee/Buyer)

NameVerified Name
Address78074 SADDLE ROCK RD, YULEE, FL 32097-3817

Mortgage

Document Number0024451430
DateMar 24, 2021
Instrument2445/1430
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2051

March 2017: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionNASSAU FL
Recording DateMar 30, 2017
Property Address78074 SADDLE ROCK RD, YULEE, FL 32097-3817
Document Number0021100111
Book / Page2110 / 0111
Map ReferenceMB8 PG121
Instrument DateMar 28, 2017
Instrument201709397
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 14, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3000 GULF BREEZE PKWY, 3000, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

NameVerified Name
Address78074 SADDLE ROCK RD, YULEE, FL 32097-3817

Mortgage

Document Number0021100112
DateMar 30, 2017
Instrument2110/0112
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueApr 1, 2047

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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$3,301.00 (+1.38%) Homeowner's exemption$255,417 (+2.9%)$326,415 (+3.67%) Land $50,000 Building $276,415
2024$3,256.00 (+1.46%) Homeowner's exemption$248,219 (+3%)$314,867 (+3.66%) Land $50,000 Building $264,867
2023$3,209.00 (+10.46%) Homeowner's exemption$240,989 (+3%)$303,752 (+16.28%) Land $50,000 Building $253,752
2022$2,905.00 Homeowner's exemption$233,970$261,214 Land $50,000 Building $211,214

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

Flood

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

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

Nearby Properties on Saddle Rock Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures