Nassau County property record for 86045 Black Tern Dr, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 3,475 sqft · built 2016 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $276,200 (Oct 2016) |
| Tax Bill | $4,782 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-2N-26-1602-0056-0000 |
| Primary APN | 12-2N-26-1602-0056-0000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,475 sqft Heated Area |
| Gross Area | 4,706 sqft |
| 1st Floor Area | 1,417 sqft |
| Upper Floors Area | 2,124 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Area | 704 sqft |
| Porch | Enclosed Porch |
| Porch Area | 234 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 86045 BLACK TERN DR |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 56 IN OR 2077/1569 PLUMMER CREEK PHASE TWO A PBK 8/142 |
| Legal Range | 26E |
| Legal Township | 02N |
| Legal Section | 12 |
| Legal Subdivision | PLUMMER CREEK PHASE |
| Legal Phase | 2 |
| Legal Lot Number | 56 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 50307 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 86045 BLACK TERN DR, YULEE, FL 32097-2642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU |
| Jul 26, 2018 | Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2016 · Amount on Record |
| Deed Sale | Oct 11, 2016 · Amount on Record |
| Deed Document Number | 0020771569 |
| Deed Book / Page | 2077 / 1569 |
| Last Transfer Date | Oct 17, 2016 |
| Transfer Doc | 0020771569 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 86045 BLACK TERN DR, YULEE, FL 32097-2642 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 86045 BLACK TERN DR, YULEE, FL 32097-2642 |
| Document Number | 0026711629 |
|---|---|
| Date | Oct 5, 2023 |
| Book Page | 2671/1629 |
| Instrument | 202345030336 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 86045 BLACK TERN DR, YULEE, FL 32097-2642 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022140014 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 2214/0014 |
| Instrument | 201823350 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2048 |
Source: Nassau County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,782.00 (+6.05%) Homeowner's exemption | $351,874 (+7.14%) | $480,398 (+8.26%) Land $60,000 Building $420,398 |
| 2024 | $4,509.00 (+1.28%) Homeowner's exemption | $328,418 (+3%) | $443,726 (+4.59%) Land $55,000 Building $388,726 |
| 2023 | $4,452.00 (+10.14%) Homeowner's exemption | $318,852 (+3%) | $424,237 (+18.92%) Land $55,000 Building $369,237 |
| 2022 | $4,042.00 Homeowner's exemption | $309,565 | $356,736 Land $50,000 Building $306,736 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · lower than 68% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 99 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 |
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