Nassau County property record for 85707 Black Tern Dr, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,205 sqft · built 2018 |
| Lot Size | 0.228 acres (9,940 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $311,482 (Mar 2018) |
| Tax Bill | $4,502 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2N-26-1603-0017-0000 |
| Primary APN | 12-2N-26-1603-0017-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,205 sqft Heated Area |
| Gross Area | 4,172 sqft |
| 1st Floor Area | 2,524 sqft |
| Upper Floors Area | 681 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 9,940 sqft (0.228 acres) |
| Garage Area | 622 sqft |
| Porch | Open Porch |
| Porch Area | 273 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 85707 BLACK TERN DR |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2669 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 17 IN OR 2186/778 PLUMMER CREEK PHASE TWO B PBK 8/170 |
| Legal Range | 26E |
| Legal Township | 02N |
| Legal Section | 12 |
| Legal Subdivision | PLUMMER CREEK PHASE |
| Legal Phase | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 50307 |
Source: Nassau County records, as of January 26, 2026
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 | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Mar 25, 2022 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| May 15, 2018 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Mar 29, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 29, 2018 · Amount on Record |
| Deed Sale | Mar 29, 2018 · Amount on Record |
| Deed Document Number | 201809577 |
| Deed Book / Page | 2186 / 0778 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Document Number | 0026500232 |
|---|---|
| Date | Jun 27, 2023 |
| Book Page | 2650/232 |
| Instrument | 202345019305 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2022 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Document Number | 0025500068 |
|---|---|
| Date | Mar 25, 2022 |
| Book Page | 2550/68 |
| Instrument | 202245011054 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Document Number | 0021970722 |
| Instrument Date | May 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2018 |
| Name | Verified Name |
|---|---|
| Address | 85707 BLACK TERN DR YULEE FL 32097, YULEE, FL 32097 |
| Document Number | 0021970722 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 002197/000722 |
| Instrument | 15465 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Mar 29, 2018 |
| Property Address | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Document Number | 0021860778 |
| Book / Page | 2186 / 0778 |
| Map Reference | MB8 PG170-174 |
| Instrument Date | Mar 27, 2018 |
| Instrument | 201809577 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | DF TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14701 PHILIPS HWY, 14701, JACKSONVILLE, FL 32256-3743 |
| Name | Verified Name |
|---|---|
| Address | 85707 BLACK TERN DR, YULEE, FL 32097-2669 |
| Document Number | 0201809578 |
|---|---|
| Date | Mar 29, 2018 |
| Instrument | 201809578 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $4,502.00 (+1.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $338,658 (+2.9%) | $462,868 (+14.2%) Land $55,000 Building $407,868 |
| 2024 | $4,442.00 (+1.35%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $329,114 (+3%) | $405,297 (+3.93%) Land $55,000 Building $350,297 |
| 2023 | $4,383.00 (+10.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $319,528 (+3%) | $389,978 (+18.87%) Land $55,000 Building $334,978 |
| 2022 | $3,977.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $310,221 | $328,082 Land $50,000 Building $278,082 |
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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 142 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 142 in force |
| Nearby Flood Claims | 7 (2017–2024) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Aug 2024 · Hurricane Debby |
| Claims by Event |
|
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 | 0.08% 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 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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