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86021 Black Tern Dr, Yulee, FL 32097 Property Records

Nassau County property record for 86021 Black Tern Dr, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 3,174 sqft · built 2016
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$568,000 (Aug 2023)
Tax Bill$6,912 (2024)
Deeds & MortgagesAug 2023 Sale & Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN12-2N-26-1602-0059-0000

Property Details

APN / Parcel Number

Primary APN12-2N-26-1602-0059-0000

Interior

Bedrooms5 Beds
Full Baths4 Baths
Stories2 Stories
Building Area3,174 sqft Heated Area
Gross Area5,263 sqft
1st Floor Area2,702 sqft
Upper Floors Area680 sqft
Interior WallsCustom/Decorative

Exterior

Year BuiltBuilt 2016
Exterior MaterialStone
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage Area622 sqft
PorchOpen Porch
Porch Area273 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address86021 BLACK TERN DR
CityYULEE
StateFL
Zip32097-2642
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePUD
Legal DescriptionLOT 59 PLUMMER CREEK PHASE TWO A PBK 8/142
Legal Range26E
Legal Township02N
Legal Section12
Legal SubdivisionPLUMMER CREEK PHASE
Legal Phase2
Legal Lot Number59
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group2
Census Block2003
Census Tract50307

Owner

86021 Black Tern Dr is owned and occupied by an individual who bought it in August 2023.

Source: Nassau County records, as of January 26, 2026

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address86021 BLACK TERN DR, YULEE, FL 32097-2642
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2023Warranty Deed, Transfer · VA Mortgage
NAVY FCU
Aug 21, 2020Deed of Trust, Mortgage · Conventional Mortgage
CFBANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2023 · Amount on File
Deed SaleAug 18, 2023 · Amount on File
Deed Document Number0002662313
Deed Book / Page2662 / 313
Record UpdatedJun 8, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateAug 18, 2023
Property Address86021 BLACK TERN DR, YULEE, FL 32097-2642
Document Number0026620313
Book / Page2662 / 313
Map ReferenceMB 8 PG 142-146
Instrument DateAug 18, 2023
Instrument202345025437
Transaction TypeTransfer
Record UpdatedSep 14, 2023
Title CompanyGUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,976.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address74627 MILLS PRESERVE CIR CIRG 17, 17, YULEE, FL 32097-0147

Transferred To (Grantee/Buyer)

NameVerified Name
Address2921 CROSSINGS DR, CHESAPEAKE, VA 23321-4386

Mortgage

Document Number0002662314
DateAug 18, 2023
Instrument2662/314
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2053

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address86021 BLACK TERN DR, YULEE, FL 32097-2642
Document Number0023870734
Instrument DateAug 21, 2020
Transaction TypeMortgage
Record UpdatedSep 28, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address86021 BLACK TERN DR YULEE FL 320972642, YULEE, FL 32097-2642

Mortgage

Document Number0023870734
DateAug 28, 2020
Book Page002387/000734
Instrument45027006
Lender
NameCFBANK NA
AddressWORTHINGTON, OH 43085
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueAug 27, 2035

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025Disabled Person's exemption Veteran's exemption$501,948 (+13.48%) Land $60,000 Building $441,948$501,948 (+13.48%) Land $60,000 Building $441,948
2024$6,912.00 (+81.08%)$442,310 (+58.5%) Land $55,000 Building $387,310$442,310 (+5.47%) Land $55,000 Building $387,310
2023$3,817.00 (+10.29%) Homeowner's exemption$279,054 (+3%)$419,359 (+19.19%) Land $55,000 Building $364,359
2022$3,461.00 Homeowner's exemption$270,926$351,839 Land $50,000 Building $301,839

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 86021 Black Tern Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 142 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies142 in force
Nearby Flood Claims7 (2017–2024)
Claims Outside the SFHA1 of 7
Most Recent ClaimAug 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

Wildfire risk around 86021 Black Tern Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemJEA: LOFTON OAKS GRID
private · serves 24,318 people · EPA ID FL2454338
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 99 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20

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