Nassau County property record for 97081 Morgans Way, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,834 sqft · built 1993 |
| Lot Size | 1.11 acres (48,523 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Jul 2018) |
| Tax Bill | $2,481 (2025) |
| Deeds & Mortgages | Oct 2023 Transfer Jun 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-3N-28-509B-0012-0000 |
| Primary APN | 43-3N-28-509B-0012-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,834 sqft Heated Area |
| Gross Area | 2,712 sqft |
| 1st Floor Area | 1,834 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 48,523 sqft (1.11 acres) |
| Garage Area | 484 sqft |
| Porch | Open Porch |
| Porch Area | 394 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97081 MORGANS WAY |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2489 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOTS 12 & 13 IN OR 2210/1790 PIRATES WOOD 2 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD 2 |
| Legal Lot Number | 12,13 13 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 50308 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jun 3, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Sep 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Jul 18, 2018 | Warranty Deed, Transfer · VA Mortgage HOMEPROMISE CORP |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2018 · Amount on Record |
| Deed Sale | Jul 18, 2018 · Amount on Record |
| Prior Sale | Jul 18, 2018 · Amount on Record |
| Deed Document Number | 0022101790 |
| Deed Book / Page | 002210 / 001790 |
| Last Transfer Date | Oct 16, 2023 |
| Transfer Doc | 0026731823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Oct 16, 2023 |
| Property Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Document Number | 0026731823 |
| Book / Page | 2673 / 1823 |
| Map Reference | MB 2210 PG 1790 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 202345031475 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Name | Verified Name |
|---|---|
| Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Document Number | 0024670411 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | 2467/411 |
| Instrument | 202145020662 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Document Number | 0023950863 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 2395/863 |
| Instrument | 202045030695 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Jul 18, 2018 |
| Property Address | 97081 MORGANS WAY, YULEE, FL 32097-2489 |
| Document Number | 0022101790 |
| Book / Page | 002210 / 001790 |
| Instrument Date | Jun 8, 2018 |
| Instrument | 22066 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2018 |
| Title Company | WATSON TITLE SERVICES/N FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 97081 MORGANS WAY YULEE FL 320972489, YULEE, FL 32097-2489 |
| Document Number | 22101795 |
|---|---|
| Date | Jul 18, 2018 |
| Book Page | 002210/001795 |
| Instrument | 22067 |
| Name | HOMEPROMISE CORP |
|---|---|
| Address | GREENCASTLE, PA 17225 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2048 |
Source: Nassau County assessment roll, as of July 1, 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 | $2,481.00 (+1.51%) Homeowner's exemption | $201,996 (+2.9%) | $459,219 (+0.55%) Land $170,000 Building $289,219 |
| 2024 | $2,444.00 (+1.62%) Homeowner's exemption | $196,303 (+3%) | $456,688 (+2.28%) Land $170,000 Building $286,688 |
| 2023 | $2,405.00 (+10.88%) Homeowner's exemption | $190,585 (+3%) | $446,526 (+40.29%) Land $170,000 Building $276,526 |
| 2022 | $2,169.00 Homeowner's exemption | $185,034 | $318,281 Land $102,000 Building $216,281 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 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 |
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