97078 Cutlass Way, Yulee, FL 32097 Property Records

Nassau County property record for 97078 Cutlass Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,089 sqft · built 2024
Lot Size	0.634 acres (27,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (May 2022)
Tax Bill	$6,419 (2025)
Deeds & Mortgages	Aug 2023 Construction Loan Feb 2022 Sale
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509F-0004-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509F-0004-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,089 sqft Heated Area
Gross Area	3,069 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,650 sqft (0.634 acres)
Garage Type	Carport
Carport	Carport
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97078 CUTLASS WAY
City	YULEE
State	FL
Zip	32097-2400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 4 IN OR 2562/1995 PIRATES WOOD #6 UNR
Legal Range	28E
Legal Township	03N
Legal Section	48
Legal Subdivision	PIRATES WOOD #6
Legal Lot Number	4
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1059
Census Tract	50308

Owner

Source: Nassau County records, as of January 26, 2026

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	97078 CUTLASS WAY, YULEE, FL 32097-2400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Deed of Trust, Mortgage · Construction Mortgage CAPITAL CITY HOME LOANS LLC
Feb 7, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2022 · Amount on Record
Deed Sale	May 13, 2022 · Amount on Record
Prior Sale	Aug 30, 2000 · Amount on Record
Deed Document Number	0025621995
Deed Book / Page	2536 / 1843
Prior Transfer Date	Feb 7, 2022
Prior Transfer Doc	202245004662
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97078 CUTLASS WAY, YULEE, FL 32097-2400
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1026 NIGHTINGALE RD, JACKSONVILLE, FL 32216-2643

Mortgage

Document Number	0026581611
Date	Aug 3, 2023
Book Page	2658/1611
Instrument	202345023658

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company
Address	LAWRENCEVILLE, GA 30043

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	SOFR Average 30-Day
Max Rate	12.6%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 7, 2022
Property Address	97078 CUTLASS WAY, YULEE, FL 32097-2400
Document Number	0025361843
Book / Page	2536 / 1843
Instrument Date	Feb 7, 2022
Instrument	202245004662
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97002 COBBLER CT, YULEE, FL 32097-1925

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	CUTLASS WAY, YULEE, FL 32097

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	$6,419.00 (+310.95%) Homeowner's exemption	$458,491 (+358.49%) Land $100,000 Building $358,491	$458,491 (+358.49%) Land $100,000 Building $358,491
2024	$1,562.00 (-2.13%)	$100,000 (-) Land $100,000	$100,000 (-) Land $100,000
2023	$1,596.00 (+11%)	$100,000 (+66.67%) Land $100,000	$100,000 (+66.67%) Land $100,000
2022	$760.00	$60,000 Land $60,000	$60,000 Land $60,000

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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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