97105 Morgans Way, Yulee, FL 32097 Property Records

Nassau County property record for 97105 Morgans Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,022 sqft · built 1993
Lot Size	0.582 acres (25,343 sqft)
Owner	2 Individual Names on File
Last Sale	$142,500 (Apr 2003)
Tax Bill	$1,655 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509B-0011-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509B-0011-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,022 sqft Living Area
1st Floor Area	1,338 sqft
Upper Floors Area	684 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,343 sqft (0.582 acres)
Garage Area	728 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	456 sqft
Deck Area	Deck Area
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97105 MORGANS WAY
City	YULEE
State	FL
Zip	32097-2487
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 11 IN OR 2713/1471 PIRATES WOOD #2 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	11
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1016
Census Tract	50308

Owner

97105 Morgans Way is owned and occupied by two individuals who acquired it in May 2024.

Source: Nassau County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97105 MORGANS WAY, YULEE, FL 32097-2487
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2003 · Amount on File
Deed Sale	Apr 29, 2003 · Amount on File
Prior Sale	Jan 30, 2002 · Amount on File
Deed Document Number	200315593
Deed Book / Page	1133 / 412
Last Transfer Date	May 23, 2024
Transfer Doc	0027131471
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97105 MORGANS WAY, YULEE, FL 32097-2487
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97105 MORGANS WAY, YULEE, FL 32097-2487

Mortgage

Document Number	0023741731
Date	Jul 10, 2020
Book Page	2374/1731
Instrument	202045021022

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 29, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 97105 Morgans Way was $1,655, up 1.7% from the year before.

Source: Nassau County assessment roll, as of November 26, 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	$1,655.00 (+1.72%)	$148,196 (+2.9%)	$344,213 (+5.96%) Land $100,000 Building $244,213
2024	$1,627.00 (+2.01%) Homeowner's exemption	$144,019 (+3%)	$324,862 (+2.56%) Land $100,000 Building $224,862
2023	$1,595.00 (+11.77%) Homeowner's exemption	$139,824 (+3%)	$316,738 (+36.34%) Land $100,000 Building $216,738
2022	$1,427.00 Homeowner's exemption	$135,751	$232,322 Land $60,000 Building $172,322

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97105 Morgans Way in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	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

Wildfire risk around 97105 Morgans Way is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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.

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