97071 Cutlass Way, Yulee, FL 32097 Property Records

Nassau County property record for 97071 Cutlass Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,206 sqft · built 2018
Lot Size	0.574 acres (25,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (May 2016)
Tax Bill	$5,789 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Feb 2017 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509C-0108-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0108-0000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,206 sqft Living Area
Gross Area	4,957 sqft
1st Floor Area	3,310 sqft
Upper Floors Area	896 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	25,001 sqft (0.574 acres)
Garage Type	Attached
Garage Area	751 sqft
Pool Area	465 sqft
Porch	Finished/Open Porch
Porch Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97071 CUTLASS WAY
City	YULEE
State	FL
Zip	32097-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 108 IN OR 2412/1722 PIRATES WOOD #3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	108
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

Source: Nassau County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	97071 CUTLASS WAY, YULEE, FL 32097-2401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Feb 24, 2017	Deed of Trust, Mortgage · Construction Mortgage COMPASS BANK
Dec 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 21, 2018	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2016 · Amount on Record
Deed Sale	May 13, 2016 · Amount on Record
Prior Sale	Jun 11, 2004 · Amount on Record
Deed Document Number	201613296
Deed Book / Page	2045 / 1673
Last Transfer Date	Sep 9, 2020
Transfer Doc	0024121722
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97071 CUTLASS WAY, YULEE, FL 32097-2401
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97071 CUTLASS WAY, YULEE, FL 32097-2401

Mortgage

Document Number	0025060529
Date	Oct 19, 2021
Book Page	2506/529
Instrument	202145038929

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97071 CUTLASS WAY, YULEE, FL 32097-2401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021030342
Date	Feb 24, 2017
Book Page	2103/0342
Instrument	201705760

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35202

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Dec 2, 2020
Property Address	97071 CUTLASS WAY, YULEE, FL 32097-2401
Document Number	0024121722
Book / Page	2412 / 1722
Instrument Date	Sep 9, 2020
Instrument	202045038884
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	MERIDIAN NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97071 CUTLASS WAY, YULEE, FL 32097-2401

Mortgage

Document Number	0024121724
Date	Dec 2, 2020
Instrument	2412/1724

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97071 CUTLASS WAY, YULEE, FL 32097-2401
Document Number	0022121101
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Aug 3, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97071 CUTLASS WAY YULEE FL 320972401, YULEE, FL 32097-2401

Mortgage

Document Number	0022121101
Date	Jul 24, 2018
Book Page	002212/001101
Instrument	22729

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 23, 2028

Interest

Rate Type	Adjustable Rate

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	$5,789.00 (+1.26%) Homeowner's exemption	$417,493 (+2.9%)	$783,788 (+13.98%) Land $100,000 Building $683,788
2024	$5,717.00 (+1.19%) Homeowner's exemption	$405,727 (+3%)	$687,645 (+2.9%) Land $100,000 Building $587,645
2023	$5,650.00 (+9.94%) Homeowner's exemption	$393,910 (+3%)	$668,282 (+37.41%) Land $100,000 Building $568,282
2022	$5,139.00 Homeowner's exemption	$382,437	$486,343 Land $60,000 Building $426,343

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 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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