Nassau County property record for 97108 Morgans Way, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,299 sqft · built 2021 |
| Lot Size | 0.573 acres (25,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $52,000 (Sep 2018) |
| Tax Bill | $5,376 (2025) |
| Deeds & Mortgages | Aug 2020 Construction Loan Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-3N-28-509B-0029-0000 |
| Primary APN | 43-3N-28-509B-0029-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,299 sqft Heated Area |
| Gross Area | 3,413 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Construction Type | Wood |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Metal |
| Lot Area | 25,000 sqft (0.573 acres) |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97108 MORGANS WAY |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2488 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 29 IN OR 2225/1652 PIRATES WOOD 2 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD 2 |
| Legal Lot Number | 29 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 50308 |
97108 Morgans Way is owned and occupied by an individual who bought it in September 2018.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 97108 MORGANS WAY, YULEE, FL 32097-2488 |
| 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 |
|---|---|
| Aug 18, 2020 | Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK |
| Sep 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2018 · Amount on File |
| Deed Sale | Sep 24, 2018 · Amount on File |
| Prior Sale | Nov 14, 2005 · Amount on File |
| Deed Document Number | 201845029656 |
| Deed Book / Page | 2225 / 1652 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97108 MORGANS WAY, YULEE, FL 32097-2488 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Title Company | AMELIA TITLE AGENCY INC |
| Name | Verified Name |
|---|---|
| Address | 95098 TIMBERLAKE DR, FERNANDINA BEACH, FL 32034-9729 |
| Document Number | 0023841794 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 2384/1794 |
| Instrument | 202045025733 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Address | LAKE CITY, FL 32055 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Sep 24, 2018 |
| Property Address | 97108 MORGANS WAY, YULEE, FL 32097-2488 |
| Document Number | 0022251652 |
| Book / Page | 2225 / 1652 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 201845029656 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12311 GREENWOOD ST, 12311, BROOKSVILLE, FL 34613-4755 |
| Name | Verified Name |
|---|---|
| Address | 87513 CREEKSIDE DR, YULEE, FL 32097-1904 |
| Document Number | 201845029657 |
|---|---|
| Date | Sep 24, 2018 |
| Instrument | 201845029657 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2033 |
The 2025 property tax bill for 97108 Morgans Way was $5,376 with a homeowner's exemption, up 1.3% from the year before.
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 | $5,376.00 (+1.28%) Homeowner's exemption | $390,570 (+2.9%) | $596,255 (+15.26%) Land $100,000 Building $496,255 |
| 2024 | $5,308.00 (+1.2%) Homeowner's exemption | $379,563 (+3%) | $517,325 (+3.53%) Land $100,000 Building $417,325 |
| 2023 | $5,245.00 (+1%) Homeowner's exemption | $368,508 (+3%) | $499,703 (+39.67%) Land $100,000 Building $399,703 |
| 2022 | $4,768.00 Homeowner's exemption | $357,775 Land $60,000 Building $297,775 | $357,775 Land $60,000 Building $297,775 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97108 Morgans Way in Zone X, an area of minimal 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 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 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 97108 Morgans Way is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures