78342 Saddle Rock Rd, Yulee, FL 32097 Property Records

Nassau County property record for 78342 Saddle Rock Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,383 sqft · built 2017
Lot Size	0.211 acres (9,184 sqft)
Owner	Individual Name on Record
Last Sale	$191,900 (Jul 2017)
Tax Bill	$2,063 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-2N-27-1290-0114-0000`

Property Details

APN / Parcel Number

Primary APN	`09-2N-27-1290-0114-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,383 sqft Living Area
Gross Area	1,803 sqft
1st Floor Area	1,383 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,184 sqft (0.211 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	118 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	78342 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 114 IN OR 2132/809 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	114
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1012
Census Tract	50306

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 Record	Individual Name on Record
Mailing Address	78342 SADDLE ROCK RD, YULEE, FL 32097-3818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Sep 16, 2016 · Amount on Record
Deed Document Number	201720551
Deed Book / Page	2132 / 809
Prior Transfer Date	Sep 2, 2016
Prior Transfer Doc	0020720364
Record Updated	Jun 8, 2026

July 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 11, 2017
Property Address	78342 SADDLE ROCK RD, YULEE, FL 32097-3818
Document Number	0021320809
Book / Page	002132 / 000809
Instrument Date	Jun 29, 2017
Instrument	20551
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 18, 2017
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,343.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78342 SADDLE ROCK RD YULEE FL 320973818, YULEE, FL 32097-3818

Mortgage

Document Number	21320810
Date	Jul 11, 2017
Book Page	002132/000810
Instrument	20552

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,063.00 (+1.68%) Homeowner's exemption Veteran's exemption	$179,787 (+2.9%)	$263,372 (+3.72%) Land $50,000 Building $213,372
2024	$2,029.00 (+1.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$174,720 (+3%)	$253,925 (+3.7%) Land $50,000 Building $203,925
2023	$1,991.00 (+11.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$169,631 (+3%)	$244,870 (+15.71%) Land $50,000 Building $194,870
2022	$1,787.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$164,690	$211,624 Land $50,000 Building $161,624

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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