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78153 Saddle Rock Rd, Yulee, FL 32097 Property Records

Nassau County property record for 78153 Saddle Rock Rd, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,383 sqft · built 2017
Lot Size0.321 acres (13,979 sqft)
OwnerIndividual Name on File
Last Sale$192,000 (Dec 2019)
Tax Bill$2,143 (2025)
Deeds & MortgagesOct 2022 Second Mortgage
Dec 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-2N-27-1290-0211-0000

Property Details

APN / Parcel Number

Primary APN09-2N-27-1290-0211-0000

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 MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area13,979 sqft (0.321 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 Address78153 SADDLE ROCK RD
CityYULEE
StateFL
Zip32097-3824
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-2
Legal DescriptionLOT 211 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 PhaseONE
Legal Lot Number211
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1029
Census Tract50306

Owner

78153 Saddle Rock Rd is owned and occupied by an individual who bought it in December 2019.

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

Owner of RecordIndividual Name on File
Mailing Address78153 SADDLE ROCK RD, YULEE, FL 32097-3824
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 21, 2022Deed of Trust, Mortgage · Stand-Alone Second Mortgage
NAVY FCU
Dec 30, 2019Warranty Deed, Transfer
NAVY FCU
May 1, 2017Grant Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 30, 2019 · Amount on File
Deed SaleDec 30, 2019 · Amount on File
Prior SaleMay 1, 2017 · Amount on File
Deed Document Number201945040889
Deed Book / Page2328 / 864
Prior Transfer DateSep 2, 2016
Prior Transfer Doc0020720364
Record UpdatedJun 8, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address78153 SADDLE ROCK RD, YULEE, FL 32097-3824
Transaction TypeMortgage
Record UpdatedNov 11, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address78153 SADDLE ROCK RD, YULEE, FL 32097-3824

Mortgage

Document Number0025980165
DateOct 21, 2022
Book Page2598/165
Instrument202245035672
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand-Alone Second Mortgage
AmountAmount on Record
Term121 Months
DueNov 1, 2032

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateDec 30, 2019
Property Address78153 SADDLE ROCK RD, YULEE, FL 32097-3824
Document Number0023280864
Book / Page002328 / 000864
Instrument DateDec 20, 2019
Instrument45040889
Transaction TypeTransfer
Record UpdatedJan 30, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,344.00
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address78153 SADDLE ROCK RD YULEE FL 320973824, YULEE, FL 32097-3824

Mortgage

Document Number23280866
DateDec 30, 2019
Book Page002328/000866
Instrument45040890
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
AmountAmount on Record
Term360 Months
DueDec 29, 2049

May 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionNASSAU FL
Recording DateMay 1, 2017
Property Address78153 SADDLE ROCK RD, YULEE, FL 32097-3824
Document Number0021161800
Book / Page002116 / 001800
Instrument DateApr 27, 2017
Instrument12822
Transaction TypeTransfer
Record UpdatedAug 13, 2018
Title CompanySUNBELT TITLE (AGENCY)

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,308.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address78153 SADDLE ROCK RD YULEE FL 320973824, YULEE, FL 32097-3824

Mortgage

Document Number21161801
DateMay 1, 2017
Book Page002116/001801
Instrument12823
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueApr 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 78153 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$179,972 (+2.9%)$263,241 (+3.7%) Land $50,000 Building $213,241
2024$2,110.00 (+1.78%) Homeowner's exemption$174,900 (+3%)$253,859 (+3.68%) Land $50,000 Building $203,859
2023$2,073.00 (+11.15%) Homeowner's exemption$169,806 (+3%)$244,855 (+15.73%) Land $50,000 Building $194,855
2022$1,865.00 Homeowner's exemption$164,860$211,575 Land $50,000 Building $161,575

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

Flood

FEMA maps place 78153 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 78153 Saddle Rock Rd is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 64% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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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