97076 Arnold Ridge Dr, Yulee, FL 32097 Property Records

Nassau County property record for 97076 Arnold Ridge Dr, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,380 sqft · built 2005
Lot Size	0.505 acres (21,977 sqft)
Owner	2 Individual Names on File
Last Sale	$455,000 (Jul 2026)
Tax Bill	$5,938 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-082A-0003-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-082A-0003-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,380 sqft Living Area
Gross Area	2,842 sqft
1st Floor Area	2,380 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2008
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	21,977 sqft (0.505 acres)
Garage Type	Attached
Garage Area	462 sqft
Porch	Finished/Open Porch
Porch Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97076 ARNOLD RIDGE DR
City	YULEE
State	FL
Zip	32097-5054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 3 IN OR 1344/357 ARNOLD RIDGE PB 6/251
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	ARNOLD RIDGE
Legal Lot Number	3
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	3
Census Block	3015
Census Tract	50306

Owner

97076 Arnold Ridge Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Nassau County records, as of August 20, 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	97076 ARNOLD RIDGE DR, YULEE, FL 32097-5054
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on File
Deed Sale	Jul 23, 2026 · Amount on File
Prior Sale	Aug 23, 2005 · Amount on File
Deed Document Number	202622317
Deed Book / Page	2883 / 1634
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 23, 2026
Property Address	97076 ARNOLD RIDGE DR, YULEE, FL 32097-5054
Document Number	0000022317
Book / Page	2883 / 1634
Instrument Date	Jul 22, 2026
Instrument	202622317
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$321,685.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97076 ARNOLD RIDGE DR, YULEE, FL 32097-5054

Mortgage

Document Number	0000022318,
Date	Jul 23, 2026
Book Page	2883/1636
Instrument	202622318

Lender

Name	CAPITAL HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 97076 Arnold Ridge Dr was $5,938, up 11.1% from the year before.

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	$5,938.00 (+11.07%)	$437,590 (+17.04%) Land $125,000 Building $312,590	$437,590 (+17.04%) Land $125,000 Building $312,590
2024	$5,346.00 (+6.75%)	$373,866 (+7.8%) Land $75,000 Building $298,866	$373,866 (+7.8%) Land $75,000 Building $298,866
2023	$5,008.00 (+15.18%)	$346,817 (+4.77%) Land $75,000 Building $271,817	$346,817 (+4.77%) Land $75,000 Building $271,817
2022	$4,348.00	$331,023 Land $60,000 Building $271,023	$331,023 Land $60,000 Building $271,023

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97076 Arnold Ridge Dr 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

Wildfire risk around 97076 Arnold Ridge Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.05% 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 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