Nassau County property record for 97041 Treasure Trl, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,469 sqft · built 2022 |
| Lot Size | 0.658 acres (28,689 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $635,000 (Dec 2024) |
| Tax Bill | $8,422 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Mar 2021 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-3N-28-509B-0016-0000 |
| Primary APN | 43-3N-28-509B-0016-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,469 sqft Heated Area |
| Gross Area | 4,214 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 28,689 sqft (0.658 acres) |
| Porch | Open Porch |
| Patio Area | 533 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97041 TREASURE TRL |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 16 IN OR 2754/1375 PIRATES WOOD 2 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD 2 |
| Legal Lot Number | 16 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 50308 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 97041 TREASURE TRL, YULEE, FL 32097-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage GATEWAY FIRST BANK |
| Mar 10, 2021 | Deed of Trust, Mortgage · Construction Mortgage GATEWAY FIRST BANK |
| Mar 1, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on Record |
| Deed Sale | Dec 6, 2024 · Amount on Record |
| Deed Document Number | 202445034324 |
| Deed Book / Page | 2754 / 1375 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97041 TREASURE TRL, YULEE, FL 32097-2414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4190 SADDLEHORN TRL, MIDDLEBURG, FL 32068-3236 |
| Document Number | 0025880791 |
|---|---|
| Date | Sep 1, 2022 |
| Book Page | 2588/791 |
| Instrument | 202245030583 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97041 TREASURE TRL, YULEE, FL 32097-2414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4190 SADDLEHORN TRL, MIDDLEBURG, FL 32068-3236 |
| Document Number | 0024401724 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 2440/1724 |
| Instrument | 202145008279 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.95% |
| Change Frequency | Monthly |
| Min Rate At Change | 3.95% |
| Max Rate At Change | 4.95% |
| Index | Prime Rate |
| Max Rate | 8.95% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Mar 1, 2019 |
| Property Address | 97041 TREASURE TRL, YULEE, FL 32097-2414 |
| Document Number | 0022580827 |
| Book / Page | 002258 / 000827 |
| Instrument Date | Feb 27, 2019 |
| Instrument | 45006266 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $332.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4190 SADDLEHORN TRL MIDDLEBURG FL 320683236, MIDDLEBURG, FL 32068-3236 |
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 | $8,422.00 (+15.13%) Homeowner's exemption | $588,976 (+15.95%) Land $100,000 Building $488,976 | $588,976 (+2.82%) Land $100,000 Building $488,976 |
| 2024 | $7,315.00 (+1.12%) Homeowner's exemption | $507,972 (+3%) | $572,827 (+16.15%) Land $100,000 Building $472,827 |
| 2023 | $7,234.00 (+813.38%) Homeowner's exemption | $493,177 (+721.96%) Land $100,000 Building $393,177 | $493,177 (+721.96%) Land $100,000 Building $393,177 |
| 2022 | $792.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 475 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 475 in force |
| Nearby Flood Claims | 25 (2016–2024) |
| Claims Outside the SFHA | 4 of 25 |
| Most Recent Claim | Sep 2024 · Hurricane Helene |
| 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 52% of the US · lower than 77% 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 134 locations within half a mile, as of December 31, 2025
| Provider | Max 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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