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

78281 Saddle Rock Rd, Yulee, FL 32097 Property Records

Nassau County property record for 78281 Saddle Rock Rd, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,629 sqft · built 2017
Lot Size0.199 acres (8,686 sqft)
OwnerIndividual Name on Record
Last Sale$203,000 (Aug 2017)
Tax Bill$4,154 (2025)
Deeds & MortgagesJul 2026 Mortgage
Oct 2022 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN09-2N-27-1290-0206-0000

Property Details

APN / Parcel Number

Primary APN09-2N-27-1290-0206-0000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,629 sqft Living Area
Gross Area2,029 sqft
1st Floor Area1,629 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialOther
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area8,686 sqft (0.199 acres)
Garage TypeAttached
Garage Area400 sqft
PorchFinished/Open Porch
Porch Area91 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address78281 SADDLE ROCK RD
CityYULEE
StateFL
Zip32097-3821
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-2
Legal DescriptionLOT 206 IN OR 2140/28 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 Lot Number206
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1029
Census Tract50306

Owner

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

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 Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 27, 2026Deed of Trust, Mortgage · FHA Mortgage
NONE LISTED ON DOCUMENT
Oct 20, 2022Deed of Trust, Mortgage · FHA Mortgage
FLAGSTAR BANK FSB
Dec 30, 2021Deed of Trust, Mortgage · FHA Mortgage
FLAGSTAR BANK FSB
Apr 21, 2020Loan Modification, Mortgage · FHA Mortgage
LAKEVIEW LN SERVICING
Aug 14, 2017Grant Deed, Subdivision Related Transfer · FHA Mortgage
CITYWIDE HMS LNS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 14, 2017 · Amount on Record
Deed SaleAug 14, 2017 · Amount on Record
Prior SaleSep 16, 2016 · Amount on Record
Deed Document Number201724245
Deed Book / Page2140 / 28
Prior Transfer DateSep 2, 2016
Prior Transfer Doc0020720364
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Recording DateJul 27, 2026
Property Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821
Document Number0000022617
Book / Page2884 / 1066
Instrument DateMay 28, 2026
Instrument202622617
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821

Mortgage

Document Number0000022617,
DateJul 27, 2026
Book Page2884/1066
Instrument202622617
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term479 Months
DueJun 1, 2066
Interest
Max Rate-1%

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821
Transaction TypeMortgage
Record UpdatedNov 4, 2022
Title CompanyFIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821

Mortgage

Document Number0025971185
DateOct 20, 2022
Book Page2597/1185
Instrument202245035500
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressJACKSONVILLE, FL 32202
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term350 Months
DueDec 1, 2051

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821
Transaction TypeMortgage
Record UpdatedJan 14, 2022
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821

Mortgage

Document Number0025251334
DateDec 30, 2021
Book Page2525/1334
Instrument202145047796
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressJACKSONVILLE, FL 32202
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2051

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionNASSAU FL
Property Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821
Document Number0023601377
Instrument DateApr 21, 2020
Transaction TypeMortgage
Record UpdatedJul 20, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address78281 SADDLE ROCK RD YULEE FL 320973821, YULEE, FL 32097-3821

Mortgage

Document Number0023601377
DateMay 13, 2020
Book Page002360/001377
Instrument45014267
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressJACKSONVILLE, FL 32202
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 12, 2050
Interest
Rate3.87%

August 2017: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionNASSAU FL
Recording DateAug 14, 2017
Property Address78281 SADDLE ROCK RD, YULEE, FL 32097-3821
Document Number0021400028
Book / Page002140 / 000028
Instrument DateAug 8, 2017
Instrument24245
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 20, 2020
Title CompanySUNBELT TITLE (AGENCY)

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,421.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address78281 SADDLE ROCK RD YULEE FL 320973821, YULEE, FL 32097-3821

Mortgage

Document Number21400029
DateAug 14, 2017
Book Page002140/000029
Instrument24246
Lender
NameCITYWIDE HMS LNS
TypeFunding / Finance Company
AddressSANDY, UT 84070
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 13, 2047

Mortgage

Document Number21400042,
DateAug 14, 2017
Book Page002140/000042
Instrument24247
Lender
NameCITYWIDE HMS LNS
TypeFunding / Finance Company
AddressSANDY, UT 84070
Agreement
AmountAmount Recorded
Term360 Months
DueAug 13, 2047

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$4,154.00 (+5.43%)$276,810 (+3.77%) Land $50,000 Building $226,810$276,810 (+3.77%) Land $50,000 Building $226,810
2024$3,940.00 (+4.98%)$266,765 (+3.74%) Land $50,000 Building $216,765$266,765 (+3.74%) Land $50,000 Building $216,765
2023$3,753.00 (+19.9%)$257,141 (+15.91%) Land $50,000 Building $207,141$257,141 (+15.91%) Land $50,000 Building $207,141
2022$3,130.00$221,854 Land $50,000 Building $171,854$221,854 Land $50,000 Building $171,854

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 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

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