85806 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 85806 Black Tern Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,133 sqft · built 2017
Lot Size	0.174 acres (7,588 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Mar 2026)
Tax Bill	$4,997 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-2N-26-1603-0032-0000`

Property Details

APN / Parcel Number

Primary APN	`12-2N-26-1603-0032-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,133 sqft Living Area
Gross Area	2,553 sqft
1st Floor Area	1,909 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	7,588 sqft (0.174 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Porch Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85806 BLACK TERN DR
City	YULEE
State	FL
Zip	32097-2649
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 32 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	32
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 13, 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	85806 BLACK TERN DR, YULEE, FL 32097-2649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Mar 26, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Feb 28, 2022	Warranty Deed, Transfer · VA Mortgage OVM FINANCIAL INC
Nov 9, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on Record
Deed Sale	Mar 26, 2026 · Amount on Record
Prior Sale	Feb 28, 2022 · Amount on Record
Deed Document Number	20268866
Deed Book / Page	2856 / 787
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85806 BLACK TERN DR, YULEE, FL 32097-2649
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024461768
Date	Mar 29, 2021
Book Page	2446/1768
Instrument	202145011091

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 26, 2026
Property Address	85806 BLACK TERN DR, YULEE, FL 32097-2649
Document Number	0028560787
Book / Page	2856 / 787
Map Reference	MB 8 PG 170-174
Instrument Date	Feb 26, 2026
Instrument	202645008866
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6271 N SHORE DR, BATON ROUGE, LA 70817-3980

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85806 BLACK TERN DR, YULEE, FL 32097-2649

Mortgage

Document Number	0002856789
Date	Mar 26, 2026
Instrument	2856/789

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 28, 2022
Property Address	85806 BLACK TERN DR, YULEE, FL 32097-2649
Document Number	0025420957
Book / Page	2542 / 957
Map Reference	MB 8 PG 170-174
Instrument Date	Feb 24, 2022
Instrument	202245007355
Transaction Type	Transfer
Record Updated	Mar 25, 2022
Title Company	GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3709 OREGON CITY ST, 3709, JACKSONVILLE, FL 32227-1720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85806 BLACK TERN DR, YULEE, FL 32097-2649

Mortgage

Document Number	0002542958
Date	Feb 28, 2022
Instrument	2542/958

Lender

Name	OVM FINANCIAL INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 9, 2017
Property Address	85806 BLACK TERN DR, YULEE, FL 32097-2649
Document Number	0021561678
Book / Page	002156 / 001678
Instrument Date	Oct 30, 2017
Instrument	32862
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 2017
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,709.00
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	85806 BLACK TERN DR YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	21561680
Date	Nov 9, 2017
Book Page	002156/001680
Instrument	32863

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA 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	$4,997.00 (+1.88%)	$325,539 (+3.71%) Land $55,000 Building $270,539	$325,539 (+3.71%) Land $55,000 Building $270,539
2024	$4,905.00 (+1.53%)	$313,881 (+3.69%) Land $55,000 Building $258,881	$313,881 (+3.69%) Land $55,000 Building $258,881
2023	$4,831.00 (+85.1%)	$302,721 (+41.21%) Land $55,000 Building $247,721	$302,721 (+19.4%) Land $55,000 Building $247,721
2022	$2,610.00 Homeowner's exemption	$214,375	$253,534 Land $50,000 Building $203,534

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 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	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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