86465 Cardinal Rd, Yulee, FL 32097 Property Records

Nassau County property record for 86465 Cardinal Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,460 sqft · built 1994
Lot Size	2.24 acres (97,574 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Apr 2022)
Tax Bill	$5,482 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-2N-27-4290-0044-0000`

Property Details

APN / Parcel Number

Primary APN	`04-2N-27-4290-0044-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,460 sqft Living Area
Gross Area	4,180 sqft
1st Floor Area	3,460 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	97,574 sqft (2.24 acres)
Garage Type	Attached
Garage Area	720 sqft
Driveway	Concrete Driveway
Porch	Finished/Open Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	86465 CARDINAL RD
City	YULEE
State	FL
Zip	32097-5559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	LOTS 44 & 45(EX S150 FT OF 44) FLOOD ACRES UNIT 1 PB 4/20
Legal Range	27E
Legal Township	02N
Legal Section	04
Legal Subdivision	FLOOD ACRES UNIT 1
Legal Lot Number	44
Legal Unit	1
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1002
Census Tract	50306

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	86465 CARDINAL RD, YULEE, FL 32097-5559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2022 · Amount on Record
Deed Sale	Apr 18, 2022 · Amount on Record
Prior Sale	Aug 20, 2014 · Amount on Record
Deed Document Number	202213815
Deed Book / Page	2555 / 1333
Prior Transfer Date	Apr 14, 2022
Prior Transfer Doc	0025551333
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 18, 2022
Property Address	86465 CARDINAL RD, YULEE, FL 32097-5559
Document Number	0025551333
Book / Page	2555 / 1333
Map Reference	MB 4 PG 20
Instrument Date	Apr 14, 2022
Instrument	202245013815
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	SUNSHINE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86441 CARDINAL RD, 86441, YULEE, FL 32097-5559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86465 CARDINAL RD, YULEE, FL 32097-5559

Mortgage

Document Number	0025551334
Date	Apr 18, 2022
Instrument	2555/1334

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

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	$5,482.00 (+1.27%) Homeowner's exemption	$397,482 (+2.9%)	$448,178 (+5.19%) Land $190,400 Building $257,778
2024	$5,413.00 (+1.2%) Homeowner's exemption	$386,280 (+3%)	$426,069 (+13.61%) Land $179,200 Building $246,869
2023	$5,349.00 (+33.29%) Homeowner's exemption	$375,029 (+30.23%) Land $179,200 Building $195,829	$375,029 (+30.23%) Land $179,200 Building $195,829
2022	$4,013.00	$287,979 Land $123,200 Building $164,779	$287,979 Land $123,200 Building $164,779

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
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.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond ember reach

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 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