Nassau County property record for 78286 Saddle Rock Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,656 sqft · built 2016 |
| Lot Size | 0.248 acres (10,821 sqft) |
| Owner | 2 Companies on Record |
| Last Sale | $440,000 (May 2022) |
| Tax Bill | $5,185 (2023) |
| Deeds & Mortgages | May 2026 Sale May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2N-27-1290-0116-0000 |
| Primary APN | 09-2N-27-1290-0116-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,656 sqft Living Area |
| Gross Area | 3,235 sqft |
| 1st Floor Area | 2,466 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,821 sqft (0.248 acres) |
| Garage Type | Attached |
| Garage Area | 579 sqft |
| Porch | Florida Room |
| Porch Area | 314 sqft |
| Patio Area | 95 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 78286 SADDLE ROCK RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-3818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-2 |
| Legal Description | LOT 116 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 | 116 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 50306 |
Source: Nassau County assessment roll, 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 Record | 2 Companies on Record |
|---|---|
| Mailing Address | 78286 SADDLE ROCK RD, YULEE, FL 32097-3818 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| May 13, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| May 20, 2022 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2022 · Amount on Record |
| Deed Sale | May 20, 2022 · Amount on Record |
| Prior Sale | Mar 8, 2016 · Amount on Record |
| Deed Document Number | 202218268 |
| Deed Book / Page | 2564 / 905 |
| Last Transfer Date | May 5, 2026 |
| Transfer Doc | 0028680154 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | May 13, 2026 |
| Property Address | 78286 SADDLE ROCK RD, YULEE, FL 32097-3818 |
| Document Number | 0028680154 |
| Book / Page | 2868 / 154 |
| Instrument Date | May 5, 2026 |
| Instrument | 202614498 |
| Transaction Type | Transfer |
| Record Updated | Jun 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 78286 SADDLE ROCK RD, YULEE, FL 32097-3818 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | May 20, 2022 |
| Property Address | 78286 SADDLE ROCK RD, YULEE, FL 32097-3818 |
| Document Number | 0025640905 |
| Book / Page | 2564 / 905 |
| Map Reference | MB 8 PG 121-127 |
| Instrument Date | May 20, 2022 |
| Instrument | 202245018268 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 78286 SADDLE ROCK RD, 78286, YULEE, FL 32097-3818 |
| Name | Verified Name |
|---|---|
| Address | 78286 SADDLE ROCK RD, YULEE, FL 32097-3818 |
| Document Number | 0002564907 |
|---|---|
| Date | May 20, 2022 |
| Instrument | 2564/907 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
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 | Veteran's exemption | $395,717 (+7.02%) | $400,022 (+8.18%) Land $50,000 Building $350,022 |
| 2023 | $5,185.00 (+77.63%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $369,775 (+57.42%) Land $50,000 Building $319,775 | $369,775 (+17.32%) Land $50,000 Building $319,775 |
| 2022 | $2,919.00 Homeowner's exemption | $234,896 | $315,192 Land $50,000 Building $265,192 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 119 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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