85827 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 85827 Black Tern Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,927 sqft · built 2017
Lot Size	0.19 acres (8,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$316,000 (Jun 2017)
Tax Bill	$2,994 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-2N-26-1603-0002-0000`

Property Details

APN / Parcel Number

Primary APN	`12-2N-26-1603-0002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,927 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,927 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,280 sqft (0.19 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	85827 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 2 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	2
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	2 Individual Names on Record
Mailing Address	85827 BLACK TERN DR, YULEE, FL 32097-2650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Intrafamily Transfer, Transfer · Line of Credit LENDAGE LLC
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 19, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 3, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2017 · Amount on Record
Deed Sale	Jun 1, 2017 · Amount on Record
Deed Book / Page	2127 / 1796
Last Transfer Date	Feb 22, 2024
Transfer Doc	0026971852
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Mar 6, 2024
Property Address	85827 BLACK TERN DR, YULEE, FL 32097-2650
Document Number	0026971852
Book / Page	2697 / 1852
Map Reference	MB 8 PGS 170
Instrument Date	Feb 22, 2024
Instrument	202445006042
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	85827 BLACK TERN DR, YULEE, FL 32097-2650

Mortgage

Document Number	202445006043
Date	Mar 6, 2024
Instrument	202445006043

Lender

Name	LENDAGE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

Interest

Change Frequency	Monthly

Mortgage

Document Number	0026971855
Date	Mar 6, 2024
Book Page	2697/1855
Instrument	202445006043

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	2114 E ACHIEVE WAY, TEMPE, AZ 85288

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

Interest

Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85827 BLACK TERN DR, YULEE, FL 32097-2650
Transaction Type	Mortgage
Record Updated	Feb 15, 2022
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85827 BLACK TERN DR, YULEE, FL 32097-2650

Mortgage

Document Number	0025311583
Date	Jan 21, 2022
Book Page	2531/1583
Instrument	202245002470

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	85827 BLACK TERN DR, YULEE, FL 32097-2650
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024091634
Date	Nov 19, 2020
Book Page	2409/1634
Instrument	202045037611

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	May 1, 2048

April 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 3, 2018
Property Address	85827 BLACK TERN DR, YULEE, FL 32097-2650
Document Number	0021870477
Book / Page	002187 / 000477
Instrument Date	Mar 27, 2018
Instrument	10001
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 10, 2018
Title Company	DF TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85827 BLACK TERN DR YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	21870479
Date	Apr 3, 2018
Book Page	002187/000479
Instrument	10002

Lender

Name	JET HOMELOANS LLC
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2048

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	$2,994.00 (+1.46%)	$235,397 (+2.9%)	$320,470 (+3.79%) Land $55,000 Building $265,470
2024	$2,951.00 (+1.48%) Homeowner's exemption	$228,763 (+3%)	$308,768 (+3.77%) Land $55,000 Building $253,768
2023	$2,908.00 (+10.61%) Homeowner's exemption	$222,100 (+3%)	$297,542 (+18.65%) Land $55,000 Building $242,542
2022	$2,629.00 Homeowner's exemption	$215,631	$250,765 Land $50,000 Building $200,765

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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