Nassau County property record for 78091 Saddle Rock Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,876 sqft · built 2018 |
| Lot Size | 0.212 acres (9,243 sqft) |
| Owner | Individual Name on File |
| Last Sale | $233,900 (Apr 2018) |
| Tax Bill | $2,576 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2N-27-1290-0215-0000 |
| Primary APN | 09-2N-27-1290-0215-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,876 sqft Living Area |
| Gross Area | 2,286 sqft |
| 1st Floor Area | 1,876 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,243 sqft (0.212 acres) |
| Garage Type | Attached |
| Garage Area | 410 sqft |
| Porch | Slab |
| Porch Area | 248 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 78091 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 215 IN OR 2189/1868 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 | 215 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 50306 |
78091 Saddle Rock Rd is owned and occupied by an individual who acquired it in August 2026.
Source: Nassau County records, as of September 22, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 7, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 13, 2018 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC |
| Mar 16, 2017 | Grant Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 13, 2018 · Amount on File |
| Deed Sale | Apr 13, 2018 · Amount on File |
| Prior Sale | Dec 1, 2016 · Amount on File |
| Deed Document Number | 201811421 |
| Deed Book / Page | 2189 / 1868 |
| Last Transfer Date | Aug 7, 2026 |
| Transfer Doc | 0000023953 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Aug 20, 2026 |
| Property Address | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0000025501 |
| Book / Page | 2890 / 295 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 202625501 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0000025501, |
|---|---|
| Date | Aug 20, 2026 |
| Book Page | 2890/295 |
| Instrument | 202625501 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Aug 7, 2026 |
| Property Address | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0000023953 |
| Book / Page | 2887 / 255 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 202623953 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 13, 2018 |
| Property Address | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0021891868 |
| Book / Page | 2189 / 1868 |
| Map Reference | MB8 PG121-127 |
| Instrument Date | Apr 10, 2018 |
| Instrument | 201811421 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount 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 | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0201811422 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 201811422 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Mar 16, 2017 |
| Property Address | 78091 SADDLE ROCK RD, YULEE, FL 32097-3824 |
| Document Number | 0021070469 |
| Book / Page | 002107 / 000469 |
| Instrument Date | Dec 29, 2016 |
| Instrument | 7850 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2017 |
| Amount | Amount on Record |
|---|---|
| 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 |
The 2025 property tax bill for 78091 Saddle Rock Rd was $2,576, up 1.6% 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 | $2,576.00 (+1.58%) | $213,189 (+2.9%) | $311,368 (+3.52%) Land $50,000 Building $261,368 |
| 2024 | $2,536.00 (+1.68%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $207,181 (+3%) | $300,773 (+3.48%) Land $50,000 Building $250,773 |
| 2023 | $2,494.00 (+10.94%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $201,147 (+3%) | $290,670 (+17.04%) Land $50,000 Building $240,670 |
| 2022 | $2,248.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $195,288 | $248,342 Land $50,000 Building $198,342 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78091 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 78091 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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