Nassau County property record for 97091 Caravel Trl, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,128 sqft · built 2004 |
| Lot Size | 0.582 acres (25,344 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Nov 2005) |
| Tax Bill | $2,452 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Dec 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-3N-28-509E-0016-0000 |
| Primary APN | 43-3N-28-509E-0016-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,128 sqft Living Area |
| Gross Area | 2,544 sqft |
| 1st Floor Area | 1,918 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 25,344 sqft (0.582 acres) |
| Garage Type | Attached |
| Garage Area | 416 sqft |
| Pool Area | 325 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 360 sqft |
| Patio Area | 322 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97091 CARAVEL TRL |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 16 IN OR 1390/1445 PIRATES WOOD #5 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD |
| Legal Lot Number | 16 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 50308 |
97091 Caravel Trl is owned and occupied by an individual who bought it in November 2005.
Source: Nassau County records, as of April 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97091 CARAVEL TRL, YULEE, FL 32097-2450 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · FHA Mortgage VYSTAR CREDIT UNION |
| Dec 30, 2021 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Dec 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 9, 2005 · Amount on File |
| Deed Sale | Nov 9, 2005 · Amount on File |
| Prior Sale | Sep 4, 2002 · Amount on File |
| Deed Document Number | 200543318 |
| Deed Book / Page | 1366 / 49 |
| Prior Transfer Date | Nov 1, 2005 |
| Prior Transfer Doc | 0013901445 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 8, 2026 |
| Property Address | 97091 CARAVEL TRL, YULEE, FL 32097-2450 |
| Document Number | 0000010411 |
| Book / Page | 2859 / 1243 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202610411 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 97091 CARAVEL TRL, YULEE, FL 32097-2450 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010411, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 2859/1243 |
| Instrument | 202610411 |
| Name | VYSTAR CREDIT UNION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97091 CARAVEL TRL, YULEE, FL 32097-2450 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 97091 CARAVEL TRL, YULEE, FL 32097-2450 |
| Document Number | 0025251648 |
|---|---|
| Date | Dec 30, 2021 |
| Book Page | 2525/1648 |
| Instrument | 202145047859 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97091 CARAVEL TRL, YULEE, FL 32097-2450 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0024161746 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 2416/1746 |
| Instrument | 202045040633 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97091 CARAVEL TRL, YULEE, FL 32097-2450 |
| Document Number | 0022650743 |
| Instrument Date | Mar 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 97091 CARAVEL TRL YULEE FL 320972450, YULEE, FL 32097-2450 |
| Document Number | 0022650743 |
|---|---|
| Date | Apr 2, 2019 |
| Book Page | 002265/000743 |
| Instrument | 45010266 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 97091 Caravel Trl was $2,452 with a homeowner's exemption, up 1.5% 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 | $2,452.00 (+1.49%) Homeowner's exemption | $200,119 (+2.9%) | $452,607 (+16.45%) Land $100,000 Building $352,607 |
| 2024 | $2,416.00 (+1.64%) Homeowner's exemption | $194,479 (+3%) | $388,661 (+2.64%) Land $100,000 Building $288,661 |
| 2023 | $2,377.00 (+10.92%) Homeowner's exemption | $188,815 (+3%) | $378,667 (+40.12%) Land $100,000 Building $278,667 |
| 2022 | $2,143.00 Homeowner's exemption | $183,316 | $270,254 Land $60,000 Building $210,254 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97091 Caravel Trl in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 2016.
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 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.
Wildfire risk around 97091 Caravel Trl is moderate, ranking above 47% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 82% 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.
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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