85176 Stephen Rd, Yulee, FL 32097 Property Records

Nassau County property record for 85176 Stephen Rd, Yulee, FL 32097 · Last verified February 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1970
Square Footage	1,327 sqft Heated Area
Lot Size	44,265 sqft (1.01 acres)
Garage	Mixed, 900 sqft
Occupancy	Owner Occupied
Tax Bill	$1,151.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`43-2N-27-4621-0002-0030`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	1,327 sqft Heated Area
Gross Area	2,296 sqft Gross Area
1st Floor	1,327 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Wood Flooring
Interior Structure	Custom/Decorative Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Exterior Material	Brick Exterior
Construction Type	Wood Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	44,265 sqft (1.01 acres)
Garage Type	Mixed Garage
Garage Area	900 sqft Garage
Carport	Carport
Carport Area	1,194 sqft Carport

Exterior Amenities

Deck Area	64 sqft Deck
Patio Area	192 sqft Patio
Porch	1 Porch
Porch Area	492 sqft Porch
Pole Structure	160 sqft Pole Structure

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	85176 STEPHEN RD
City	YULEE
State	FL
Zip	32097-4766
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	BLOCK 2 LOT 3 IN OR 768 PG 1694 LOFTON BLUFF 2 PB 4/92 & 93
Legal Range	27E
Legal Township	02N
Legal Section	43
Legal Subdivision	LOFTON BLUFF 2
Legal Block	2
Legal Lot Number	3
Jurisdiction	NASSAU FL
Minor Civil Division	YULEE
Census Blockgroup	3
Census Block	3007
Census Tract	50304

Owner

Source: Nassau County records · APN 43-2N-27-4621-0002-0030

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	85176 STEPHEN RD, YULEE, FL 32097-4766
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 20, 1996
Deed Sale	Aug 20, 1996
Deed Doc Number	0007681694
Record Refreshed	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85176 STEPHEN RD, YULEE, FL 32097-4766
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	CHANCELLOR TITLE AGENCY, CHANCELLOR TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85176 STEPHEN RD, YULEE, FL 32097-4766

Mortgage

Document Number	0024870467
Date	Aug 13, 2021
Book Page	2487/467
Instrument	202145030072

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.7%
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Max Rate At Change	7.7%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Nassau County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,151.00 (+2.04%) Homeowner's exemption	$115,324 (+2.9%)	$242,693 (+4.5%) Land $85,000 Building $157,693
2024	$1,128.00 (+2.55%) Homeowner's exemption	$112,074 (+3%)	$232,244 (+2.3%) Land $80,000 Building $152,244
2023	$1,100.00 (+12.94%) Homeowner's exemption	$108,810 (+3%)	$227,028 (+25.89%) Land $80,000 Building $147,028
2022	$974.00 Homeowner's exemption	$105,641	$180,334 Land $60,000 Building $120,334

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Nassau County (12089C), updated January 21, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 415 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.