Nassau County property record for 78341 Saddle Rock Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,948 sqft · built 2017 |
| Lot Size | 0.219 acres (9,570 sqft) |
| Owner | Individual Name on File |
| Last Sale | $208,900 (Mar 2017) |
| Tax Bill | $2,653 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-2N-27-1290-0201-0000 |
| Primary APN | 09-2N-27-1290-0201-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,948 sqft Heated Area |
| Gross Area | 2,546 sqft |
| 1st Floor Area | 1,948 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,570 sqft (0.219 acres) |
| Garage Area | 420 sqft |
| Porch | Open Porch |
| Porch Area | 178 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 78341 SADDLE ROCK RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-3821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-2 |
| Legal Description | LOT 201 IN OR 2107/1714 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 |
| Legal Phase | 1 |
| Legal Lot Number | 201 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 50306 |
78341 Saddle Rock Rd is owned and occupied by an individual who bought it in March 2017.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 78341 SADDLE ROCK RD, YULEE, FL 32097-3821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Mar 20, 2017 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2017 · Amount on File |
| Deed Sale | Mar 20, 2017 · Amount on File |
| Deed Document Number | 201708200 |
| Deed Book / Page | 2107 / 1714 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 78341 SADDLE ROCK RD, YULEE, FL 32097-3821 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 18341 SADDLE ROCK ROAD, YULEE, FL 32097 |
| Document Number | 0025061170 |
|---|---|
| Date | Oct 20, 2021 |
| Book Page | 2506/1170 |
| Instrument | 202145039055 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Mar 20, 2017 |
| Property Address | 78341 SADDLE ROCK RD, YULEE, FL 32097-3821 |
| Document Number | 0021071714 |
| Book / Page | 2107 / 1714 |
| Map Reference | MB7 PG295-299 |
| Instrument Date | Mar 16, 2017 |
| Instrument | 201708200 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment 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 | 78341 SADDLE ROCK RD, YULEE, FL 32097-3821 |
| Document Number | 0021071715 |
|---|---|
| Date | Mar 20, 2017 |
| Instrument | 2107/1715 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 78341 Saddle Rock Rd was $2,653 with a homeowner's exemption, up 1.5% from the year before.
Source: Nassau County assessment roll, as of July 1, 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 | $2,653.00 (+1.49%) Homeowner's exemption | $213,192 (+2.9%) | $310,776 (+3.64%) Land $50,000 Building $260,776 |
| 2024 | $2,614.00 (+1.59%) Homeowner's exemption | $207,184 (+3%) | $299,867 (+3.62%) Land $50,000 Building $249,867 |
| 2023 | $2,573.00 (+10.76%) Homeowner's exemption | $201,150 (+3%) | $289,386 (+16.08%) Land $50,000 Building $239,386 |
| 2022 | $2,323.00 Homeowner's exemption | $195,291 | $249,289 Land $50,000 Building $199,289 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78341 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 78341 Saddle Rock Rd is moderate, ranking above 45% 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 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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