85811 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 85811 Black Tern Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,342 sqft · built 2018
Lot Size	0.19 acres (8,280 sqft)
Owner	2 Company Names on Record
Last Sale	$285,565 (May 2018)
Tax Bill	$3,545 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`12-2N-26-1603-0004-0000`

Property Details

APN / Parcel Number

Primary APN	`12-2N-26-1603-0004-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,342 sqft Heated Area
Gross Area	2,983 sqft
1st Floor Area	2,342 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	399 sqft
Porch	Open Porch
Porch Area	242 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	85811 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 4 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	4
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	2 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	320 23RD ST S APT 324, 324, ARLINGTON, VA 22202-3748
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA
May 4, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 4, 2018 · Amount on Record
Deed Sale	May 4, 2018 · Amount on Record
Prior Sale	May 4, 2018 · Amount on Record
Deed Document Number	0021931946
Deed Book / Page	2193 / 1946
Last Transfer Date	Feb 26, 2025
Transfer Doc	0027700852
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85811 BLACK TERN DR, YULEE, FL 32097-2650
Document Number	0023790752
Instrument Date	Jul 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	85811 BLACK TERN DR YULEE FL 320972650, YULEE, FL 32097-2650

Mortgage

Document Number	0023790752
Date	Jul 28, 2020
Book Page	002379/000752
Instrument	45023160

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 4, 2018
Property Address	85811 BLACK TERN DR, YULEE, FL 32097-2650
Document Number	0021931946
Book / Page	2193 / 1946
Map Reference	MB8 PG170-174
Instrument Date	Apr 30, 2018
Instrument	201813619
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	85811 BLACK TERN DR, YULEE, FL 32097-2650

Mortgage

Document Number	0201813620
Date	May 4, 2018
Instrument	201813620

Lender

Name	JET HOMELOANS LLC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 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	$3,545.00 (+1.37%) Homeowner's exemption	$271,327 (+2.9%)	$371,258 (+3.84%) Land $55,000 Building $316,258
2024	$3,497.00 (+1.39%) Homeowner's exemption	$263,680 (+3%)	$357,516 (+3.81%) Land $55,000 Building $302,516
2023	$3,449.00 (+10.4%) Homeowner's exemption	$256,000 (+3%)	$344,410 (+19.43%) Land $55,000 Building $289,410
2022	$3,124.00 Homeowner's exemption	$248,544	$288,380 Land $50,000 Building $238,380

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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