Nassau County property record for 97077 Chester River Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,586 sqft · built 2005 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $998,000 (Jan 2024) |
| Tax Bill | $10,660 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jan 2024 Sale & Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-3N-28-1215-0006-0000 |
| Primary APN | 42-3N-28-1215-0006-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,586 sqft Living Area |
| Gross Area | 5,438 sqft |
| 1st Floor Area | 2,348 sqft |
| Upper Floors Area | 2,010 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 45,738 sqft (1.05 acres) |
| Garage Type | Attached |
| Garage Area | 775 sqft |
| Pool Area | 590 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 721 sqft |
| Patio Area | 2,233 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97077 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 6 LEMACKS HEIGHTS PB5/195 |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 42 |
| Legal Subdivision | LEMACKS HEIGHTS |
| Legal Lot Number | 6 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 50306 |
97077 Chester River Rd is owned and occupied by two individuals who bought it in January 2024.
Source: Nassau County records, as of July 22, 2026
| 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 | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 31, 2024 | Deed of Trust, Mortgage · Line of Credit GTE FCU |
| Jan 31, 2024 | Warranty Deed, Transfer · Line of Credit GTE FCU |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY FIRST BANK |
| Dec 7, 2018 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Dec 29, 2016 | Deed of Trust, Mortgage · Line of Credit REGIONS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 31, 2024 · Amount on File |
| Deed Sale | Jan 31, 2024 · Amount on File |
| Prior Sale | Dec 30, 2020 · Amount on File |
| Deed Document Number | 20242740 |
| Deed Book / Page | 2692 / 126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 14065 LA LAUNA CIR N, JACKSONVILLE, FL 32225-2107 |
| Document Number | 0026920192 |
|---|---|
| Date | Jan 31, 2024 |
| Book Page | 2692/192 |
| Instrument | 202445002771 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Address | 711 E HENDERSON AVE, TAMPA, FL 33602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 30, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Jan 31, 2024 |
| Property Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Document Number | 0026920126 |
| Book / Page | 2692 / 126 |
| Map Reference | MB 5 PG 195 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 202445002740 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2024 |
| Title Company | NOT AVAILABLE, PROTECH TITLE & TRUST LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,986.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16989 OAK HILL RD, HILLIARD, FL 32046-5819 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Document Number | 202445002771 |
|---|---|
| Date | Jan 31, 2024 |
| Instrument | 202445002771 |
| Name | GTE FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Number | 0026920128 |
|---|---|
| Date | Jan 31, 2024 |
| Book Page | 2692/128 |
| Instrument | 202445002741 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | 5 STATEHOUSE PLZ STE 500, LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023611079 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 2361/1079 |
| Instrument | 202045014611 |
| Name | GATEWAY FIRST BANK |
|---|---|
| Type | Bank |
| Address | JENKS, OK 74037 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0022420353 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 2242/0353 |
| Instrument | 201845037844 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 20, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Index | 3-Month LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97077 CHESTER RIVER RD, YULEE, FL 32097-4984 |
| Document Number | 0020951180 |
| Instrument Date | Dec 29, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 97077 CHESTER RIVER RD YULEE FL 320974984, YULEE, FL 32097-4984 |
| Document Number | 0020951180 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 002095/001180 |
| Instrument | 1772 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 19, 2037 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 97077 Chester River Rd was $10,660, up 104.9% from the year before.
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 | $10,660.00 (+104.92%) | $734,751 (+97.11%) | $856,152 (-4.53%) Land $89,250 Building $766,902 |
| 2024 | $5,202.00 (+1.23%) Homeowner's exemption | $372,762 (+3%) | $896,738 (+3.14%) Land $84,000 Building $812,738 |
| 2023 | $5,139.00 (+10.02%) Homeowner's exemption | $361,905 (+3%) | $869,416 (+28.6%) Land $84,000 Building $785,416 |
| 2022 | $4,671.00 Homeowner's exemption | $351,364 | $676,046 Land $63,000 Building $613,046 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 97077 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 97077 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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