85180 Saint Thomas St, Yulee, FL 32097 Property Records

Nassau County property record for 85180 Saint Thomas St, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 961 sqft · built 1996
Lot Size	0.241 acres (10,478 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Nov 2021)
Tax Bill	$2,290 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`38-2N-27-1270-0092-0000`

Property Details

APN / Parcel Number

Primary APN	`38-2N-27-1270-0092-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	961 sqft Living Area
Gross Area	1,379 sqft
1st Floor Area	961 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,478 sqft (0.241 acres)
Garage Type	Attached
Garage Area	418 sqft
Porch	Finished/Open Porch
Porch Area	24 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85180 SAINT THOMAS ST
City	YULEE
State	FL
Zip	32097-6610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 92 LOFTON OAKS @ YULEE HOME PARKS #1 PB 5/323-325
Legal Range	27E
Legal Township	02N
Legal Section	38
Legal Subdivision	LOFTON OAKS
Legal Lot Number	92
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1002
Census Tract	50304

Owner

85180 Saint Thomas St is owned and occupied by two individuals who bought it in November 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	85180 SAINT THOMAS ST, YULEE, FL 32097-6610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2021	Warranty Deed, Transfer · Conventional Mortgage SECURITY FEDERAL BANK
Jun 1, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jun 1, 2018	Quit Claim Deed, Transfer GIBRALTAR TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on File
Deed Sale	Nov 10, 2021 · Amount on File
Prior Sale	Jun 1, 2018 · Amount on File
Deed Document Number	202145041939
Deed Book / Page	2512 / 1564
Prior Transfer Date	Mar 30, 2005
Prior Transfer Doc	0013081287
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 10, 2021
Property Address	85180 SAINT THOMAS ST, YULEE, FL 32097-6610
Document Number	0025121564
Book / Page	2512 / 1564
Map Reference	MB 5 PG 323
Instrument Date	Nov 5, 2021
Instrument	202145041939
Transaction Type	Transfer
Record Updated	Dec 7, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 DUTCH CT, 144, LEXINGTON, SC 29073-7130

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3813 PINE KNOLL CT, MARTINEZ, GA 30907-2820

Mortgage

Document Number	25121566
Date	Nov 10, 2021
Instrument	2512/1566

Lender

Name	SECURITY FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 1, 2018
Property Address	85180 SAINT THOMAS ST, YULEE, FL 32097-6610
Document Number	0021991789
Book / Page	002199 / 001789
Instrument Date	May 29, 2018
Instrument	16809
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	GIBRALTAR TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	85180 SAINT THOMAS ST YULEE FL 320976610, YULEE, FL 32097-6610

Mortgage

Document Number	21991791
Date	Jun 1, 2018
Book Page	002199/001791
Instrument	16810

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 31, 2048

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 1, 2018
Property Address	85180 SAINT THOMAS ST, YULEE, FL 32097-6610
Document Number	0021991787
Book / Page	002199 / 001787
Instrument Date	May 29, 2018
Instrument	16808
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	GIBRALTAR TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25116 VIA PACIFICA DANA POINT CA 926292049, DANA POINT, CA 92629-2049

Tax Assessment & Valuation

The 2025 property tax bill for 85180 Saint Thomas St was $2,290 with a homeowner's exemption, up 1.6% from the year before.

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	$2,290.00 (+1.55%) Homeowner's exemption	$189,569 (+2.9%)	$195,757 (-7.5%) Land $55,000 Building $140,757
2024	$2,255.00 (+1.67%) Homeowner's exemption	$184,226 (+3%)	$211,633 (+18.32%) Land $50,000 Building $161,633
2023	$2,218.00 (-5.94%) Homeowner's exemption	$178,860 (+14.12%) Land $50,000 Building $128,860	$178,860 (+14.12%) Land $50,000 Building $128,860
2022	$2,358.00	$156,731 Land $50,000 Building $106,731	$156,731 Land $50,000 Building $106,731

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

Flood

FEMA maps place 85180 Saint Thomas St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 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

Wildfire risk around 85180 Saint Thomas St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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