85795 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 85795 Black Tern Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,503 sqft · built 2018
Lot Size	0.19 acres (8,280 sqft)
Owner	Individual Name on Record
Last Sale	$302,400 (Apr 2018)
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`12-2N-26-1603-0006-0000`

Property Details

APN / Parcel Number

Primary APN	`12-2N-26-1603-0006-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,503 sqft Heated Area
Gross Area	3,490 sqft
1st Floor Area	2,120 sqft
Upper Floors Area	383 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,280 sqft (0.19 acres)
Garage Area	714 sqft
Porch	Open Porch
Porch Area	164 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85795 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 6 IN OR 2192/1269 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	6
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2003
Census Tract	50307

Owner

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
Co-owner	Co-owner on Record
Mailing Address	85795 BLACK TERN DR, YULEE, FL 32097-2669
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2019	Deed of Trust, Mortgage · VA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Nov 4, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 18, 2020	Deed of Trust, Mortgage · VA Mortgage CASHCALL
Apr 27, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on Record
Deed Sale	Apr 27, 2018 · Amount on Record
Deed Document Number	201812904
Deed Book / Page	2192 / 1269
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85795 BLACK TERN DR, YULEE, FL 32097-2669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022621030
Date	Mar 20, 2019
Book Page	2262/1030
Instrument	201945008675

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85795 BLACK TERN DR, YULEE, FL 32097-2669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024051875
Date	Nov 4, 2020
Book Page	2405/1875
Instrument	202045035695

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Mar 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85795 BLACK TERN DR, YULEE, FL 32097-2669
Document Number	0023341228
Instrument Date	Jan 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85795 BLACK TERN DR YULEE FL 320972669, YULEE, FL 32097-2669

Mortgage

Document Number	0023341228
Date	Jan 27, 2020
Book Page	002334/001228
Instrument	45002757

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

April 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 27, 2018
Property Address	85795 BLACK TERN DR, YULEE, FL 32097-2669
Document Number	0021921269
Book / Page	2192 / 1269
Map Reference	MB8 PG170-174
Instrument Date	Apr 25, 2018
Instrument	201812904
Transaction Type	Subdivision Related 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	Full Amount Stated
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	85795 BLACK, YULEE, FL 32097-4749

Mortgage

Document Number	0201812905
Date	Apr 27, 2018
Instrument	201812905

Lender

Name	JET HOMELOANS LLC
Type	Private Party

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	$3,100.00 (+1.44%) Homeowner's exemption	$242,287 (+2.9%)	$395,355 (+3.82%) Land $55,000 Building $340,355
2024	$3,056.00 (+1.46%) Homeowner's exemption	$235,459 (+3%)	$380,818 (+3.78%) Land $55,000 Building $325,818
2023	$3,012.00 (+10.57%) Homeowner's exemption	$228,601 (+3%)	$366,936 (+20.17%) Land $55,000 Building $311,936
2022	$2,724.00 Homeowner's exemption	$221,943	$305,352 Land $50,000 Building $255,352

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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