97070 Morgans Way, Yulee, FL 32097 Property Records

Nassau County property record for 97070 Morgans Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,361 sqft · built 2005
Lot Size	0.574 acres (24,999 sqft)
Owner	Individual Name on Record
Last Sale	$356,000 (Jul 2021)
Tax Bill	$3,919 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509B-0027-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509B-0027-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,361 sqft Living Area
Gross Area	2,823 sqft
1st Floor Area	2,361 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,999 sqft (0.574 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Screened/Unfinished Porch
Porch Area	344 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97070 MORGANS WAY
City	YULEE
State	FL
Zip	32097-2490
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 27 IN OR 2480/1847 PIRATES WOOD 2 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	27
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1015
Census Tract	50308

Owner

Source: Nassau County records, as of September 23, 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	97070 MORGANS WAY, YULEE, FL 32097-2490
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	Nov 29, 2016 · Amount on Record
Deed Document Number	202145027067
Deed Book / Page	2480 / 1847
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 20, 2021
Property Address	97070 MORGANS WAY, YULEE, FL 32097-2490
Document Number	0024801847
Book / Page	2480 / 1847
Instrument Date	Jul 15, 2021
Instrument	202145027067
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	AMELIA TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,492.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	86408 PEEPLES RD, 86408, YULEE, FL 32097-3389

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97070 MORGANS WAY, YULEE, FL 32097-2490

Mortgage

Document Number	24801850
Date	Jul 20, 2021
Instrument	2480/1850

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,919.00 (+1.34%) Homeowner's exemption	$295,661 (+2.9%)	$463,691 (+13.92%) Land $100,000 Building $363,691
2024	$3,867.00 (+1.36%) Homeowner's exemption	$287,328 (+3%)	$407,049 (+3.36%) Land $100,000 Building $307,049
2023	$3,815.00 (+10.26%) Homeowner's exemption	$278,959 (+3%)	$393,835 (+39.33%) Land $100,000 Building $293,835
2022	$3,460.00 Homeowner's exemption	$270,834	$282,672 Land $60,000 Building $222,672

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 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	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 17 claims

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 Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Violations Reported to EPA

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.

Internet Providers

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