Nassau County property record for 97095 Pirates Point Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,538 sqft · built 1984 |
| Lot Size | 0.566 acres (24,693 sqft) |
| Owner | Individual Name on File |
| Last Sale | $219,000 (Sep 2017) |
| Tax Bill | $2,691 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 43-3N-28-509C-0037-0000 |
| Primary APN | 43-3N-28-509C-0037-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,538 sqft Heated Area |
| Gross Area | 2,212 sqft |
| 1st Floor Area | 1,538 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 24,693 sqft (0.566 acres) |
| Garage Type | Mixed |
| Garage Area | 576 sqft |
| Carport | Carport |
| Carport Area | 720 sqft |
| Porch | Open Porch |
| Porch Area | 18 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97095 PIRATES POINT RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-6531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 37 IN OR 2146/320 ESMT IN OR 409/26 PIRATES WOOD 3 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD 3 |
| Legal Lot Number | 37 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 50308 |
Source: Nassau County records · APN 43-3N-28-509C-0037-0000
Assessment roll updated July 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97095 PIRATES POINT RD, YULEE, FL 32097-6531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Feb 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 19, 2017 | Warranty Deed, Transfer · FHA Mortgage GATEWAY MORTGAGE GROUP LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 19, 2017 · Amount on Record |
| Deed Sale | Sep 19, 2017 · Amount on Record |
| Prior Sale | Jan 07, 2016 · Amount on Record |
| Deed Document Number | 201727168 |
| Deed Book / Page | 2146 / 0320 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97095 PIRATES POINT RD, YULEE, FL 32097-6531 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 97095 PIRATES POINT RD, YULEE, FL 32097-6531 |
| Document Number | 0025580879 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 2558/879 |
| Instrument | 202245015088 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97095 PIRATES POINT RD, YULEE, FL 32097-6531 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024331196 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | 2433/1196 |
| Instrument | 202145005058 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Dec 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Sep 19, 2017 |
| Property Address | 97095 PIRATES POINT RD, YULEE, FL 32097-6531 |
| Document Number | 0021460320 |
| Book / Page | 2146 / 0320 |
| Map Reference | MB103 PG424 |
| Instrument Date | Sep 15, 2017 |
| Instrument | 201727168 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | AMELIA TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2606 GREGOR MCGREGOR BLVD, 2606, FERNANDINA BEACH, FL 32034-2247 |
| Name | Verified Name |
|---|---|
| Address | 97095 PIRATES POINT RD, YULEE, FL 32097-6531 |
| Document Number | 0201727169 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | 201727169 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
Source: Nassau County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,691.00 (+5.2%) Homeowner's exemption | $215,653 (+5.94%) | $358,624 (+1.57%) Land $100,000 Building $258,624 |
| 2024 | $2,558.00 (+1.63%) Homeowner's exemption | $203,558 (+3%) | $353,093 (+3.23%) Land $100,000 Building $253,093 |
| 2023 | $2,517.00 (+10.78%) Homeowner's exemption | $197,629 (+3%) | $342,031 (+41.17%) Land $100,000 Building $242,031 |
| 2022 | $2,272.00 Homeowner's exemption | $191,873 | $242,289 Land $60,000 Building $182,289 |
Source: FEMA National Flood Hazard Layer as of January 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
|
| Wildfire Risk | Moderate above 57% of the US · lower than 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 20 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JEA: LOFTON OAKS GRID private · serves 24,318 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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