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78236 Saddle Rock Rd, Yulee, FL 32097 Property Records

Nassau County property record for 78236 Saddle Rock Rd, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,091 sqft · built 2016
Lot Size0.201 acres (8,759 sqft)
OwnerIndividual Name on Record
Last Sale$400,000 (Jan 2026)
Tax Bill$4,340 (2025)
Deeds & MortgagesJan 2026 Sale
Nov 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN09-2N-27-1290-0121-0000

Property Details

APN / Parcel Number

Primary APN09-2N-27-1290-0121-0000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,091 sqft Living Area
Gross Area2,553 sqft
1st Floor Area2,091 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,759 sqft (0.201 acres)
Garage TypeAttached
Garage Area462 sqft
PorchFinished/Open Porch
Porch Area140 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address78236 SADDLE ROCK RD
CityYULEE
StateFL
Zip32097-3818
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-2
Legal DescriptionLOT 121 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 Number121
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1012
Census Tract50306

Owner

Source: Nassau County records, as of January 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried

Deeds, Mortgages & Sale History

DateDocument
Jan 8, 2026Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 24, 2021Deed of Trust, Mortgage · VA Mortgage
CARRINGTON MORTGAGE SERVICES LLC
Jun 24, 2022Warranty Deed, Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Oct 16, 2020Warranty Deed, Transfer · VA Mortgage
CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 8, 2026 · Amount on Record
Deed SaleJan 8, 2026 · Amount on Record
Prior SaleJun 24, 2022 · Amount on Record
Deed Document Number2026435
Deed Book / Page2839 / 1674
Prior Transfer DateOct 15, 2020
Prior Transfer Doc0024001756
Record UpdatedJun 8, 2026

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateJan 8, 2026
Property Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818
Document Number0028391674
Book / Page2839 / 1674
Map ReferenceMB 8 PG 121-127
Instrument DateJan 8, 2026
Instrument202645000435
Transaction TypeTransfer
Record UpdatedJan 30, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$2,800.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818

Transferred To (Grantee/Buyer)

NameVerified Name
Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818
Transaction TypeMortgage
Record UpdatedJan 19, 2023
Title CompanyDHI TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address78239 SADDLE ROCK RD, YULEE, FL 32097-3821

Mortgage

Document Number0025160940
DateNov 24, 2021
Book Page2516/940
Instrument202145043655
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2051

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateJun 24, 2022
Property Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818
Document Number0025730294
Book / Page2573 / 294
Map ReferenceMB 8 PG 121-127
Instrument DateJun 24, 2022
Instrument202245022507
Transaction TypeTransfer
Record UpdatedJan 19, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,863.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address85314 PHILLIPS RD, YULEE, FL 32097-7533

Transferred To (Grantee/Buyer)

NameVerified Name
Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818

Mortgage

Document Number0002573296
DateJun 24, 2022
Instrument2573/296
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateOct 16, 2020
Property Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818
Document Number0024001754
Book / Page2400 / 1754
Map ReferenceMB 8 PG 121-127
Instrument DateOct 15, 2020
Instrument202045033325
Transaction TypeTransfer
Record UpdatedJan 14, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name
Address78236 SADDLE ROCK RD, 78236, YULEE, FL 32097-3818

Transferred To (Grantee/Buyer)

NameVerified Name
Address78236 SADDLE ROCK RD, YULEE, FL 32097-3818

Mortgage

Document Number0024001756
DateOct 16, 2020
Book Page2400/1756
Instrument202045033326
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

Tax Assessment & Valuation

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$4,340.00 (+1.33%) Homeowner's exemption$323,092 (+2.9%)$327,195 (+3.61%) Land $50,000 Building $277,195
2024$4,283.00 (+1.3%) Homeowner's exemption$313,986 (+3%)$315,784 (+3.59%) Land $50,000 Building $265,784
2023$4,228.00 (+49.61%) Homeowner's exemption$304,841 (+30.43%) Land $50,000 Building $254,841$304,841 (+17.52%) Land $50,000 Building $254,841
2022$2,826.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$233,714$259,392 Land $50,000 Building $209,392

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 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.07% 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 119 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
T-Mobile
Fixed Wireless		100 / 20

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