85787 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 85787 Black Tern Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,923 sqft · built 2018
Lot Size	0.19 acres (8,280 sqft)
Owner	Individual Name on Record
Last Sale	$381,000 (Dec 2021)
Tax Bill	$3,716 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`12-2N-26-1603-0007-0000`

Property Details

APN / Parcel Number

Primary APN	`12-2N-26-1603-0007-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,923 sqft Living Area
Gross Area	2,593 sqft
1st Floor Area	1,923 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,280 sqft (0.19 acres)
Garage Type	Attached
Garage Area	670 sqft
Porch	Finished/Open Porch
Porch Area	180 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85787 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 7 PLUMMER CREEK PHASE TWO B PBK 8/170
Legal Range	26E
Legal Township	02N
Legal Section	12
Legal Subdivision	PLUMMER CREEK
Legal Phase	TWO
Legal Lot Number	7
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2003
Census Tract	50307

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	85787 BLACK TERN DR, YULEE, FL 32097-2669
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage JET HOMELOANS LLC
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jan 12, 2021	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2018	Warranty Deed, Transfer · Conventional Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Jan 12, 2021 · Amount on Record
Deed Document Number	202145046303
Deed Book / Page	2522 / 227
Last Transfer Date	Jan 13, 2024
Transfer Doc	0026890166
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85787 BLACK TERN DR, YULEE, FL 32097-2669
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022871134
Date	Jul 8, 2019
Book Page	2287/1134
Instrument	201945021554

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 16, 2021
Property Address	85787 BLACK TERN DR, YULEE, FL 32097-2669
Document Number	0025220227
Book / Page	2522 / 227
Map Reference	MB 8 PG 170-174
Instrument Date	Dec 15, 2021
Instrument	202145046303
Transaction Type	Transfer
Record Updated	Jan 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,667.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85787 BLACK TERN DR, 85787, YULEE, FL 32097-2669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85787 BLACK TERN DR, YULEE, FL 32097-2669

Mortgage

Document Number	0002522229
Date	Dec 16, 2021
Instrument	2522/229

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jan 12, 2021
Property Address	85787 BLACK TERN DR, YULEE, FL 32097-2669
Document Number	0024241323
Book / Page	2424 / 1323
Map Reference	MB 8 PG 170-174
Instrument Date	Jan 8, 2021
Instrument	202145001104
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,149.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85787 BLACK TERN DR, 85787, YULEE, FL 32097-2669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85787 BLACK TERN DR, YULEE, FL 32097-2669

Mortgage

Document Number	0024241325
Date	Jan 12, 2021
Instrument	2424/1325

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 1, 2018
Property Address	85787 BLACK TERN DR, YULEE, FL 32097-2669
Document Number	0021930326
Book / Page	2193 / 0326
Map Reference	MB8 PG170-174
Instrument Date	Apr 26, 2018
Instrument	201813164
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14701 PHILIPS HWY STE 300, 14701, JACKSONVILLE, FL 32256-3742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85787 BLACK TERN DR, YULEE, FL 32097-2669

Mortgage

Document Number	0201813165
Date	May 1, 2018
Instrument	201813165

Lender

Name	JET HOMELOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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	$3,716.00 (+1.36%)	$282,462 (+2.9%)	$331,281 (+3.82%) Land $55,000 Building $276,281
2024	$3,666.00 (+1.35%) Homeowner's exemption	$274,501 (+3%)	$319,107 (+3.76%) Land $55,000 Building $264,107
2023	$3,617.00 (+10.34%) Homeowner's exemption	$266,506 (+3%)	$307,530 (+18.85%) Land $55,000 Building $252,530
2022	$3,278.00 Homeowner's exemption	$258,744 Land $50,000 Building $208,744	$258,744 Land $50,000 Building $208,744

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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	Hurricane Irma, Sep 2017 · 5 claims

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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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