85803 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 85803 Black Tern Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,471 sqft · built 2017
Lot Size	0.197 acres (8,562 sqft)
Owner	Individual Name on Record
Last Sale	$324,900 (Sep 2020)
Tax Bill	$4,257 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`12-2N-26-1603-0005-0000`

Property Details

APN / Parcel Number

Primary APN	`12-2N-26-1603-0005-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,471 sqft Living Area
Gross Area	3,093 sqft
1st Floor Area	2,471 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,562 sqft (0.197 acres)
Garage Type	Attached
Garage Area	622 sqft
Porch	Finished/Open Porch
Porch Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85803 BLACK TERN DR
City	YULEE
State	FL
Zip	32097-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 5 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	5
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	2
Census Block	2003
Census Tract	50307

Owner

Source: Nassau County records, as of April 8, 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	85803 BLACK TERN DR, YULEE, FL 32097-2650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 1, 2020	Warranty Deed, Transfer · VA Mortgage RESOURCE FINANCIAL SERVICES INC
Nov 9, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Nov 9, 2017 · Amount on Record
Deed Document Number	202045027608
Deed Book / Page	2388 / 1299
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85803 BLACK TERN DR, YULEE, FL 32097-2650
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85803 BLACK TERN DR, YULEE, FL 32097-2650

Mortgage

Document Number	0028540357
Date	Mar 16, 2026
Book Page	2854/357
Instrument	202645007806

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Apr 1, 2066

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Sep 1, 2020
Property Address	85803 BLACK TERN DR, YULEE, FL 32097-2650
Document Number	0023881299
Book / Page	2388 / 1299
Map Reference	MB 8 PG 170-174
Instrument Date	Aug 14, 2020
Instrument	202045027608
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,274.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2124, CALLAHAN, FL 32011-2124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85803 BLACK TERN DR, YULEE, FL 32097-2650

Mortgage

Document Number	0023881301
Date	Sep 1, 2020
Instrument	2388/1301

Lender

Name	RESOURCE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 9, 2017
Property Address	85803 BLACK TERN DR, YULEE, FL 32097-2650
Document Number	0021561449
Book / Page	002156 / 001449
Instrument Date	Oct 30, 2017
Instrument	32793
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2018
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85803 BLACK TERN DR YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	21561451
Date	Nov 9, 2017
Book Page	002156/001451
Instrument	32794

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

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	$4,257.00 (+1.31%) Homeowner's exemption	$317,709 (+2.9%)	$387,289 (+3.94%) Land $55,000 Building $332,289
2024	$4,202.00 (+1.33%) Homeowner's exemption	$308,755 (+3%)	$372,621 (+3.93%) Land $55,000 Building $317,621
2023	$4,147.00 (+10.2%) Homeowner's exemption	$299,762 (+3%)	$358,545 (+19.05%) Land $55,000 Building $303,545
2022	$3,763.00 Homeowner's exemption	$291,031	$301,166 Land $50,000 Building $251,166

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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