85814 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 85814 Black Tern Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,938 sqft · built 2017
Lot Size	0.213 acres (9,270 sqft)
Owner	Individual Name on Record
Last Sale	$237,291 (Sep 2017)
Tax Bill	$3,046 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-2N-26-1603-0033-0000`

Property Details

APN / Parcel Number

Primary APN	`12-2N-26-1603-0033-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,938 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,938 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	9,270 sqft (0.213 acres)
Garage Type	Attached
Garage Area	460 sqft
Porch	Finished/Open Porch
Porch Area	165 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85814 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 33 IN OR 2216/266 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	33
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	85814 BLACK TERN DR, YULEE, FL 32097-2649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 29, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Aug 24, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Aug 3, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 27, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2017 · Amount on Record
Deed Sale	Sep 27, 2017 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	201728178
Deed Book / Page	2148 / 274
Last Transfer Date	Jul 19, 2018
Transfer Doc	0022160266
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85814 BLACK TERN DR, YULEE, FL 32097-2649
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025420001
Date	Feb 25, 2022
Book Page	2542/1
Instrument	202245007142

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85814 BLACK TERN DR, YULEE, FL 32097-2649
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85814 BLACK TERN DR, YULEE, FL 32097-2649

Mortgage

Document Number	0024290323
Date	Jan 29, 2021
Book Page	2429/323
Instrument	202145003160

Lender

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

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85814 BLACK TERN DR, YULEE, FL 32097-2649
Document Number	0023010357
Instrument Date	Aug 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85814 BLACK TERN DR YULEE FL 320972649, YULEE, FL 32097-2649

Mortgage

Document Number	0023010357
Date	Aug 29, 2019
Book Page	002301/000357
Instrument	45028146

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 3, 2018
Property Address	85814 BLACK TERN DR, YULEE, FL 32097-2649
Document Number	0022160266
Book / Page	002216 / 000266
Instrument Date	Jul 17, 2018
Instrument	24440
Transaction Type	Transfer
Record Updated	Aug 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85814 BLACK TERN DR YULEE FL 320972649, YULEE, FL 32097-2649

September 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Sep 27, 2017
Property Address	85814 BLACK TERN DR, YULEE, FL 32097-2649
Document Number	0021480274
Book / Page	002148 / 000274
Instrument Date	Sep 25, 2017
Instrument	28178
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 18, 2017
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,661.00
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	85814 BLACK TERN DR YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	21480276
Date	Sep 27, 2017
Book Page	002148/000276
Instrument	28179

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 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	$3,046.00 (+1.43%) Homeowner's exemption	$238,807 (+2.9%)	$325,952 (+3.72%) Land $55,000 Building $270,952
2024	$3,003.00 (+1.49%) Homeowner's exemption	$232,077 (+3%)	$314,252 (+1.76%) Land $55,000 Building $259,252
2023	$2,959.00 (+10.58%) Homeowner's exemption	$225,317 (+3%)	$308,807 (+19.26%) Land $55,000 Building $253,807
2022	$2,676.00 Homeowner's exemption	$218,754	$258,939 Land $50,000 Building $208,939

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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