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86896 Cardinal Rd, Yulee, FL 32097 Property Records

Nassau County property record for 86896 Cardinal Rd, Yulee, FL 32097 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,555 sqft · built 2020
Lot Size0.477 acres (20,758 sqft)
Owner2 Individual Names on File
Last Sale$38,000 (Feb 2019)
Deeds & MortgagesOct 2025 Transfer
Oct 2019 Construction Loan
+ 2 more
Flood ZoneZone X (minimal risk)
APN04-2N-27-4300-0022-0010

Property Details

APN / Parcel Number

Primary APN04-2N-27-4300-0022-0010

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,555 sqft Living Area
Gross Area3,015 sqft
1st Floor Area2,555 sqft
Upper Floors Area1,020 sqft
FlooringLaminate Plank
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Exterior MaterialBrick
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area20,758 sqft (0.477 acres)
Lot Dimensions21.4 ft deep x 9.7 ft wide
Garage TypeAttached
Garage Area460 sqft

Exterior Amenities

Pool Area372 sqft
PorchFinished/Open Porch
Porch Area140 sqft
Patio Area637 sqft
Shed1 Shed
Shed Area204 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address86896 CARDINAL RD
CityYULEE
StateFL
Zip32097-5538
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLOCK 22 LOTS 1 4 & 5 IN OR 2253/965 UTIL ESMT IN OR 2366-1234 TOWN OF YULEE-SNOWBALL ADDITION PB 1/15
Legal Range27E
Legal Township02N
Legal Section04
Legal SubdivisionCA SNOWBALLS SUB/YULEE
Legal Block22
Legal Lot Number1
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group4
Census Block4023
Census Tract50304

Owner

Source: Nassau County records · APN 04-2N-27-4300-0022-0010

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address86896 CARDINAL RD, YULEE, FL 32097-5538
OccupancyOwner Occupied
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 07, 2025Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Oct 22, 2019Deed of Trust, Mortgage · Construction Mortgage
FIRST FEDERAL BANK
Sep 17, 2020Loan Modification, Mortgage
FIRST FED'L SVGS BK
Feb 06, 2019Warranty Deed, Transfer
GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TR INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 06, 2019 · Amount on Record
Deed SaleFeb 06, 2019 · Amount on Record
Deed Document Number201915003393
Deed Book / Page2253 / 965
Last Transfer DateOct 07, 2025
Transfer Doc0028210635
Record UpdatedJun 08, 2026

October 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionNASSAU FL
Recording DateOct 07, 2025
Property Address86896 CARDINAL RD, YULEE, FL 32097-5538
Document Number0028210635
Book / Page2821 / 635
Map ReferenceMB 1 PG 15
Instrument DateOct 07, 2025
Instrument202545030532
Transaction TypeTransfer
Record UpdatedOct 22, 2025
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address86896 CARDINAL RD, YULEE, FL 32097-5538

Transferred To (Grantee/Buyer)

NameVerified Name
Address86896 CARDINAL RD # 1309, 1309, YULEE, FL 32097-5538

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address86896 CARDINAL RD, YULEE, FL 32097-5538
Transaction TypeMortgage
Record UpdatedMay 09, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023131314
DateOct 22, 2019
Book Page2313/1314
Instrument201945033890
Lender
NameFIRST FEDERAL BANK
TypeBank
AddressLAKE CITY, FL 32055
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

September 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionNASSAU FL
Property Address86896 CARDINAL RD, YULEE, FL 32097-5538
Document Number0023930264
Instrument DateSep 17, 2020
Transaction TypeMortgage
Record UpdatedOct 22, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address86896 CARDINAL RD YULEE FL 320975538, YULEE, FL 32097-5538

Mortgage

Document Number0023930264
DateSep 17, 2020
Book Page002393/000264
Instrument45029620
Lender
NameFIRST FED'L SVGS BK
TypeFederal Savings Bank
AddressLAKE CITY, FL 32055
Agreement
AmountAmount Recorded
Term360 Months
DueSep 16, 2050
Interest
Rate TypeFixed Rate
Rate2.75%

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateFeb 06, 2019
Property Address86896 CARDINAL RD, YULEE, FL 32097-5538
Document Number0022530965
Book / Page002253 / 000965
Instrument DateFeb 05, 2019
Instrument45003393
Transaction TypeTransfer
Record UpdatedMar 01, 2019
Title CompanyGUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TR INC

Transaction

AmountAmount Recorded
Tax$266.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1550 STARWAN RD E JACKSONVILLE FL 322115140, JACKSONVILLE, FL 32211-5140

Tax Assessment & Valuation

Source: Nassau County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$507,134 (+2.9%)$527,334 (+7%) Land $144,000 Building $383,334
2024Disabled Person's exemption Veteran's exemption$492,842 (+1.86%) Land $120,000 Building $372,842$492,842 (+1.86%) Land $120,000 Building $372,842
2023Disabled Person's exemption Veteran's exemption$483,865 Land $120,000 Building $363,865$483,865 Land $120,000 Building $363,865

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Nassau County (12089C), updated January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120890503044, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 36 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies36 in force
32 of 36 on primary residences

Wildfire

Wildfire RiskLow
above 37% of the US · above 11% of Florida
Wildfire LikelihoodAbout 1 in 2,632 per year
ExposureDirect
burnable vegetation at the parcel

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.

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