97098 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97098 Pirates Point Rd, Yulee, FL 32097 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,645 sqft · built 1973
Lot Size	0.641 acres (27,920 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Sep 2018)
Tax Bill	$3,639 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0040-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0040-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,645 sqft Living Area
1st Floor Area	1,645 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2005
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	27,920 sqft (0.641 acres)
Garage Type	Carport
Garage Area	540 sqft
Carport	Carport
Carport Area	540 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	64 sqft
Deck Area	180 sqft
Patio Area	312 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97098 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-6530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 40 IN OR 2224/1687 PIRATES WOOD #4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	40
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
Census Tract	50308

Owner

Source: Nassau County records · APN 43-3N-28-509D-0040-0000

Assessment roll updated November 26, 2025 · Last verified July 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 File
Mailing Address	97098 PIRATES POINT RD, YULEE, FL 32097-6530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jan 25, 2020	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Sep 20, 2018	Deed, Transfer · Conventional Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2018 · Amount on Record
Deed Sale	Sep 20, 2018 · Amount on Record
Deed Document Number	201845029122
Deed Book / Page	2224 / 1687
Last Transfer Date	Mar 27, 2026
Transfer Doc	0028561806
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Mar 27, 2026
Property Address	97098 PIRATES POINT RD, YULEE, FL 32097-6530
Document Number	0028561806
Book / Page	2856 / 1806
Map Reference	VOL 103 PG 424
Instrument Date	Mar 27, 2026
Instrument	202645009122
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97098 PIRATES POINT RD, YULEE, FL 32097-6530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1716 FOXCREEK CIR, HENRICO, VA 23238-4210

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97098 PIRATES POINT RD, YULEE, FL 32097-6530
Document Number	0023380781
Instrument Date	Jan 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97098 PIRATES POINT RD YULEE FL 320976530, YULEE, FL 32097-6530

Mortgage

Document Number	0023380781
Date	Feb 10, 2020
Book Page	002338/000781
Instrument	45004539

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 09, 2050

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	NASSAU FL
Recording Date	Sep 20, 2018
Property Address	97098 PIRATES POINT RD, YULEE, FL 32097-6530
Document Number	0022241687
Book / Page	2224 / 1687
Instrument Date	Sep 20, 2018
Instrument	201845029122
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	AMELIA TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97110 PIRATES POINT RD, 97110, YULEE, FL 32097-6532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97098 PIRATES POINT RD, YULEE, FL 32097-6530

Mortgage

Document Number	201845029123
Date	Sep 20, 2018
Instrument	201845029123

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2048

Tax Assessment & Valuation

Source: Nassau County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

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	$3,639.00 (+1.36%) Homeowner's exemption	$277,428 (+2.9%)	$464,899 (+9.64%) Land $200,000 Building $264,899
2024	$3,590.00 (+1.38%) Homeowner's exemption	$269,609 (+3%)	$424,031 (+7.82%) Land $170,000 Building $254,031
2023	$3,541.00 (+16.44%) Homeowner's exemption	$261,756 (+7.71%)	$393,262 (+23.76%) Land $170,000 Building $223,262
2022	$3,041.00 Homeowner's exemption	$243,029	$317,762 Land $160,000 Building $157,762

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Nassau County (12089C), updated January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120890503081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 475 individual NFIP policies nearby
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, river or lake flooding, Hurricane Helene
Claims By Storm	Hurricane Irma, Sep 2017 · 3 claims Hurricane Matthew, Oct 2016 · 17 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 77 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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