Nassau County property record for 86109 Cardinal Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,959 sqft · built 1988 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $165,000 (Sep 2013) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-2N-27-4290-0031-0000 |
| Primary APN | 04-2N-27-4290-0031-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,959 sqft Heated Area |
| Gross Area | 3,106 sqft |
| 1st Floor Area | 1,283 sqft |
| Upper Floors Area | 676 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 624 sqft |
| Porch | Enclosed Porch |
| Porch Area | 523 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Water Source | Spring/Creek |
| Street Address | 86109 CARDINAL RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-5568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR |
| Legal Description | LOT 31 IN OR 1881/1842 FLOOD ACRES UNIT 1 PB 4/20 |
| Legal Range | 27E |
| Legal Township | 02N |
| Legal Section | 04 |
| Legal Subdivision | FLOOD ACRES |
| Legal Lot Number | 31 |
| Legal Unit | 1 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 50306 |
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 | Owner Name on Record |
|---|---|
| Mailing Address | 86109 CARDINAL RD, YULEE, FL 32097-5568 |
| Occupancy | Owner Occupied |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2013 · Amount on Record |
| Deed Sale | Sep 27, 2013 · Amount on Record |
| Prior Sale | Nov 13, 2012 |
| Deed Document Number | 201327530 |
| Deed Book / Page | 1881 / 1842 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 86109 CARDINAL RD, YULEE, FL 32097-5568 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024680945 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 2468/945 |
| Instrument | 202145021130 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
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 | Disabled Person's exemption Veteran's exemption | $424,586 (+5.39%) | $433,082 (+7.5%) Land $170,000 Building $263,082 |
| 2023 | Disabled Person's exemption Veteran's exemption | $402,877 Land $160,000 Building $242,877 | $402,877 Land $160,000 Building $242,877 |
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 22 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 22 in force |
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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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