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97046 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97046 Pirates Point Rd, Yulee, FL 32097 · Last verified February 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,180 sqft · built 1987
Lot Size0.641 acres (27,939 sqft)
OwnerIndividual Name on File
Last Sale$565,000 (Sep 2021)
Tax Bill$7,271 (2025)
Deeds & MortgagesSep 2021 Sale & Mortgage
Nov 2019 Mortgage
+ 2 more
Flood ZoneZone AE (high risk)
APN43-3N-28-509D-0043-0000

Property Details

APN / Parcel Number

Primary APN43-3N-28-509D-0043-0000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,180 sqft Heated Area
Gross Area3,128 sqft
1st Floor Area1,308 sqft
Upper Floors Area872 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 2011
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area27,939 sqft (0.641 acres)
Garage Area308 sqft

Exterior Amenities

Pool TypePool with Hot Tub/Spa
Pool Area364 sqft
PorchOpen Porch
Porch Area112 sqft
Patio Area362 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address97046 PIRATES POINT RD
CityYULEE
StateFL
Zip32097-6530
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 43 IN OR 2500/1022 PIRATES WOOD 4 UNR
Legal Range28E
Legal Township03N
Legal Section43
Legal SubdivisionPIRATES WOOD 4
Legal Lot Number43
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1010
Census Tract50308

Owner

Source: Nassau County records · APN 43-3N-28-509D-0043-0000

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address97046 PIRATES POINT RD, YULEE, FL 32097-6530
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 28, 2021Warranty Deed, Transfer · Conventional Mortgage
WATSON MORTGAGE CORP
Nov 20, 2019Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Jun 29, 2018Warranty Deed, Transfer · Conventional Mortgage
GATEWAY MORTGAGE GROUP LLC
Aug 17, 2017Grant Deed, Transfer · Conventional Mortgage
PRIME LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 28, 2021 · Amount on Record
Deed SaleSep 28, 2021 · Amount on Record
Prior SaleJun 29, 2018 · Amount on Record
Deed Document Number202145036288
Deed Book / Page2500 / 1022
Record UpdatedJun 08, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateSep 28, 2021
Property Address97046 PIRATES POINT RD, YULEE, FL 32097-6530
Document Number0025001022
Book / Page2500 / 1022
Instrument DateSep 23, 2021
Instrument202145036288
Transaction TypeTransfer
Record UpdatedOct 27, 2021
Title CompanyWATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,955.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6531 SPYGLASS CIR, 6531, FERNANDINA BEACH, FL 32034-6579

Transferred To (Grantee/Buyer)

NameVerified Name
Address97046 PIRATES POINT RD, YULEE, FL 32097-6530

Mortgage

Document Number25001024
DateSep 28, 2021
Instrument2500/1024
Lender
NameWATSON MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address97046 PIRATES POINT RD, YULEE, FL 32097-6530
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0023200512
DateNov 20, 2019
Book Page2320/0512
Instrument201945037040
Lender
NameAMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateJun 29, 2018
Property Address97046 PIRATES POINT RD, YULEE, FL 32097-6530
Document Number0022061991
Book / Page2206 / 1991
Instrument DateJun 27, 2018
Instrument201820231
Transaction TypeTransfer
Record UpdatedJan 14, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1216 FIR ST, 1216, FERNANDINA BEACH, FL 32034-3559

Transferred To (Grantee/Buyer)

NameVerified Name
Address97046 PIRATES POINT RD, YULEE, FL 32097-6530

Mortgage

Document Number0201820232
DateJun 29, 2018
Instrument201820232
Lender
NameGATEWAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2048

August 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionNASSAU FL
Recording DateAug 17, 2017
Property Address97046 PIRATES POINT RD, YULEE, FL 32097-6530
Document Number0021401330
Book / Page002140 / 001330
Instrument DateJul 27, 2017
Instrument24560
Transaction TypeTransfer
Record UpdatedAug 24, 2017
Title CompanyPREMIUM TITLE INC, PREMIER TITLE SERVICES INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,225.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1216 FIR ST FERNANDINA BEACH FL 320343559, FERNANDINA BEACH, FL 32034-3559

Mortgage

Document Number21401333
DateAug 17, 2017
Book Page002140/001333
Instrument24561
Lender
NamePRIME LNDG
AddressDALLAS, TX 75252
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 16, 2047

Tax Assessment & Valuation

Source: Nassau County records · Assessment roll updated July 1, 2025 · Last verified February 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$7,271.00 (+1.24%) Homeowner's exemption$513,981 (+2.9%)$664,688 (+7.53%) Land $200,000 Building $464,688
2024$7,182.00 (+1.11%) Homeowner's exemption$499,496 (+3%)$618,154 (+5.26%) Land $170,000 Building $448,154
2023$7,103.00 (+9.82%) Homeowner's exemption$484,948 (+3%)$587,266 (+24.73%) Land $170,000 Building $417,266
2022$6,468.00 Homeowner's exemption$470,823 Land $160,000 Building $310,823$470,823 Land $160,000 Building $310,823

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 120890503081, 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 AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 475 individual NFIP policies nearby
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies475 in force
Nearby Flood Claims25 (2016–2024)
Claims Outside the SFHA4 of 25
Most Recent ClaimSep 2024, river or lake flooding, Hurricane Helene
Claims By Storm
  • Hurricane Irma, Sep 2017 · 3 claims
  • Hurricane Matthew, Oct 2016 · 17 claims

Wildfire

Wildfire RiskModerate
above 58% of the US · above 30% of Florida
Wildfire LikelihoodAbout 1 in 769 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 20 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

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