78075 Saddle Rock Rd, Yulee, FL 32097 Property Records

Nassau County property record for 78075 Saddle Rock Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,405 sqft · built 2017
Lot Size	0.217 acres (9,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,200 (Dec 2017)
Tax Bill	$3,108 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-2N-27-1290-0216-0000`

Property Details

APN / Parcel Number

Primary APN	`09-2N-27-1290-0216-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,405 sqft Heated Area
Gross Area	3,080 sqft
1st Floor Area	2,405 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,472 sqft (0.217 acres)
Garage Area	441 sqft
Porch	Open Porch
Porch Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	78075 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 216 IN OR 2163/699 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	216
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1029
Census Tract	50306

Owner

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	2 Individual Names on Record
Mailing Address	78075 SADDLE ROCK RD, YULEE, FL 32097-3824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on Record
Deed Sale	Dec 11, 2017 · Amount on Record
Deed Document Number	201736212
Deed Book / Page	2163 / 0699
Record Updated	Jun 8, 2026

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 11, 2017
Property Address	78075 SADDLE ROCK RD, YULEE, FL 32097-3824
Document Number	0021630699
Book / Page	002163 / 000699
Instrument Date	Dec 6, 2017
Instrument	36212
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,716.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	78075 SADDLE ROCK RD YULEE FL 320973824, YULEE, FL 32097-3824

Mortgage

Document Number	21630700
Date	Dec 11, 2017
Book Page	002163/000700
Instrument	36213

Lender

Name	ROSIE L LINN
Address	8219 JOFFRE DR, JACKSONVILLE, FL 32210-2470

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Dec 10, 2030

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	$3,108.00 (+1.4%) Homeowner's exemption	$242,850 (+2.9%)	$355,406 (+3.72%) Land $50,000 Building $305,406
2024	$3,065.00 (+1.49%) Homeowner's exemption	$236,006 (+3%)	$342,649 (+3.72%) Land $50,000 Building $292,649
2023	$3,020.00 (+10.54%) Homeowner's exemption	$229,132 (+3%)	$330,370 (+16.58%) Land $50,000 Building $280,370
2022	$2,732.00 Homeowner's exemption	$222,458	$283,381 Land $50,000 Building $233,381

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 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 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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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