Nassau County property record for 97055 Chester River Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,196 sqft · built 2016 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $355,000 (Aug 2026) |
| Tax Bill | $2,408 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-3N-28-1215-0007-0000 |
| Primary APN | 42-3N-28-1215-0007-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Gross Area | 1,680 sqft |
| 1st Floor Area | 1,196 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 484 sqft |
| Patio Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97055 CHESTER RIVER RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-4984 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 7 IN OR 2033/1363 LEMACKS HEIGHTS PB5/195 |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 42 |
| Legal Subdivision | LEMACKS HEIGHTS |
| Legal Lot Number | 7 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 50306 |
97055 Chester River Rd is owned and occupied by two individuals who bought it in August 2026.
Source: Nassau County records, as of September 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| Nov 20, 2018 | Deed of Trust, Mortgage · Line of Credit REGIONS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on File |
| Deed Sale | Aug 17, 2026 · Amount on File |
| Prior Sale | Nov 14, 2011 · Amount on File |
| Deed Document Number | 202624929 |
| Deed Book / Page | 2889 / 178 |
| Prior Transfer Date | Mar 14, 2016 |
| Prior Transfer Doc | 0020331363 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Aug 17, 2026 |
| Property Address | 97055 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Document Number | 0000024929 |
| Book / Page | 2889 / 178 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202624929 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | TITLE TRUST, PRO TECH TITLE & TRUST |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250,985.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Document Number | 0000024930, |
|---|---|
| Date | Aug 17, 2026 |
| Instrument | 202624930 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97055 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Document Number | 0022420353 |
| Instrument Date | Nov 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 201 MILAN PKWY BIRMINGHAM AL 352116946, BIRMINGHAM, AL 35211-6946 |
| Document Number | 0022420353 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 002242/000353 |
| Instrument | 45037844 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 6, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 97055 Chester River Rd was $2,408 with a homeowner's exemption.
Source: Nassau County assessment roll, as of November 26, 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 | $2,408.00 Homeowner's exemption | $197,208 | $364,218 Land $90,100 Building $274,118 |
| 2023 | $2,295.00 Homeowner's exemption | $183,731 | $332,554 Land $84,800 Building $247,754 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97055 Chester River Rd in Zone X, an area of minimal flood risk.
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 File median of 61 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 61 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 risk around 97055 Chester River Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 86% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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