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97037 Bell Lagoon Dr, Yulee, FL 32097 Property Records

Nassau County property record for 97037 Bell Lagoon Dr, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,080 sqft · built 2020
Lot Size6.04 acres (263,102 sqft)
OwnerIndividual Name on Record
Last Sale$12,000 (Sep 2021)
Tax Bill$4,422 (2025)
Deeds & MortgagesSep 2023 Line of Credit
Dec 2021 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN43-3N-28-0000-0017-0140

Property Details

APN / Parcel Number

Primary APN43-3N-28-0000-0017-0140

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,080 sqft Heated Area
Gross Area3,440 sqft
1st Floor Area400 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialMetal
Construction TypeWood
Roof TypeGable/Hip
Lot Area263,102 sqft (6.04 acres)
PorchOpen Porch
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address97037 BELL LAGOON DR
CityYULEE
StateFL
Zip32097-6304
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-1
Legal DescriptionPT OF JOHN LOWE GRANT IN OR 2232/1424 & OR 2496/335 (EX 17-11 17-12 & 17-14)
Legal Range28E
Legal Township03N
Legal Section43
Legal SubdivisionCHESTER MEADOWS
Legal Tract2
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group4
Census Block4000
Census Tract50306

Owner

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address97037 BELL LAGOON DR, YULEE, FL 32097-6304
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 27, 2023Deed of Trust, Mortgage · Line of Credit
VYSTAR CU
Dec 28, 2021Deed of Trust, Mortgage · FHA Mortgage
UNION HOME MORTGAGE CORP
Sep 13, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Nov 5, 2020Deed of Trust, Mortgage · Conventional Mortgage
OXFORD FIN'L SVCS
Mar 30, 2020Deed of Trust, Mortgage · Conventional Mortgage
OXFORD FIN'L SVCS
Oct 25, 2018Warranty Deed, Transfer
AMELIA TITLE AGENCY INC, AMELIA TITLE AGCY INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 13, 2021 · Amount on Record
Deed SaleSep 13, 2021 · Amount on Record
Prior SaleOct 25, 2018 · Amount on Record
Deed Document Number202145034184
Deed Book / Page2496 / 335
Record UpdatedJun 8, 2026

September 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address97037 BELL LAGOON DR, YULEE, FL 32097-6304
Transaction TypeMortgage
Record UpdatedOct 24, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address97037 BELL LAGOON DR, YULEE, FL 32097-6304

Mortgage

Document Number0026691618
DateSep 27, 2023
Book Page2669/1618
Instrument202345029369
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueOct 1, 2033
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address97037 BELL LAGOON DR, YULEE, FL 32097-6304
Transaction TypeMortgage
Record UpdatedMay 9, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address97037 BELL LAGOON DR, YULEE, FL 32097-6304

Mortgage

Document Number0025241516
DateDec 28, 2021
Book Page2524/1516
Instrument202145047440
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
AddressSTRONGSVILLE, OH 44136
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateSep 13, 2021
Property Address97037 BELL LAGOON DR, YULEE, FL 32097-6304
Document Number0024960335
Book / Page2496 / 335
Map ReferenceMB 951 PG 1269
Instrument DateSep 9, 2021
Instrument202145034184
Transaction TypeTransfer
Record UpdatedFeb 14, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$84.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 729, YULEE, FL 32041-0729

Transferred To (Grantee/Buyer)

NameVerified Name
Address97037 BELL LAGOON DR, YULEE, FL 32097-6304

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address97037 BELL LAGOON DR, YULEE, FL 32097-6304
Document Number0024070419
Instrument DateNov 5, 2020
Transaction TypeMortgage
Record UpdatedDec 14, 2020
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address97037 BELL LAGOON DR YULEE FL 320976304, YULEE, FL 32097-6304

Mortgage

Document Number0024070419
DateNov 10, 2020
Book Page002407/000419
Instrument45036376
Lender
NameOXFORD FIN'L SVCS
TypeFunding / Finance Company
AddressSAINT AUGUSTINE, FL 32086
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueNov 9, 2040

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address97037 BELL LAGOON DR, YULEE, FL 32097-6304
Document Number0023511929
Instrument DateMar 30, 2020
Transaction TypeMortgage
Record UpdatedJun 19, 2020
Title CompanyACTION TITLE SERVICES/STATE JOHNS COUNTY, ACTION TITLE SVCS/ST JOHNS CNT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address195 PRINCE PHILLIP DR ST AUGUSTINE FL 320921745, ST AUGUSTINE, FL 32092-1745

Mortgage

Document Number0023511929
DateApr 6, 2020
Book Page002351/001929
Instrument45010566
Lender
NameOXFORD FIN'L SVCS
TypeFunding / Finance Company
AddressSAINT AUGUSTINE, FL 32086
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueApr 5, 2040
Interest
Rate10%

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateOct 25, 2018
Property Address97037 BELL LAGOON DR, YULEE, FL 32097-6304
Document Number0022321424
Book / Page002232 / 001424
Instrument DateOct 25, 2018
Instrument45033167
Transaction TypeTransfer
Record UpdatedNov 15, 2018
Title CompanyAMELIA TITLE AGENCY INC, AMELIA TITLE AGCY INC

Transaction

AmountAmount Recorded
Tax$455.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address217 CEZANNE CIR PONTE VEDRA BEACH FL 320815017, PONTE VEDRA BEACH, FL 32081-5017

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
2025$4,422.00 (+1.31%) Homeowner's exemption$328,452 (+2.9%)$579,722 (+3.77%) Land $119,000 Building $460,722
2024$4,365.00 (+1.16%) Homeowner's exemption$319,195 (+2.7%)$558,635 (+33.97%) Land $119,000 Building $439,635
2023$4,315.00 (+10.39%) Homeowner's exemption$310,789 (+3.36%)$416,993 (+24.44%) Land $64,280 Building $352,713
2022$3,909.00 Homeowner's exemption$300,693$335,083 Land $63,125 Building $271,958

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 55 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies55 in force
Nearby Flood Claims1 (2012)
Claims Outside the SFHA1 of 1
Most Recent ClaimJun 2012 · Tropical Storm Debby

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 RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% 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 134 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · DSL		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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