97109 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97109 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,061 sqft · built 1982
Lot Size	0.579 acres (25,199 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Jun 2019 Loan Modification Aug 2018 Loan Modification + 1 more
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509C-0036-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0036-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,061 sqft Living Area
1st Floor Area	1,969 sqft
Upper Floors Area	1,092 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1992
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	25,199 sqft (0.579 acres)
Garage Type	Detached
Garage Area	625 sqft

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	929 sqft
Deck Area	255 sqft
Patio Area	448 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97109 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-6533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 36 IN OR 1367/689 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	36
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

Source: Nassau County records, as of November 26, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	97109 PIRATES POINT RD, YULEE, FL 32097-6533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2019	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Aug 29, 2018	Loan Modification, Mortgage · Conventional Mortgage US SMALL BUSN ADMN
Apr 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 12, 2005
Transfer Doc	0013670691
Record Updated	Jun 8, 2026

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	97109 PIRATES POINT RD, YULEE, FL 32097-6533
Document Number	0022861220
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97109 PIRATES POINT RD YULEE FL 320976533, YULEE, FL 32097-6533

Mortgage

Document Number	0022861220
Date	Jul 2, 2019
Book Page	002286/001220
Instrument	45020991

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jul 1, 2047

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	97109 PIRATES POINT RD, YULEE, FL 32097-6533
Document Number	0022200612
Instrument Date	Aug 29, 2018
Transaction Type	Mortgage
Record Updated	Oct 8, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97109 PIRATES POINT RD YULEE FL 320976533, YULEE, FL 32097-6533

Mortgage

Document Number	0022200612
Date	Sep 4, 2018
Book Page	002220/000612
Instrument	45026807

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97109 PIRATES POINT RD, YULEE, FL 32097-6533
Document Number	0021911974
Instrument Date	Apr 18, 2018
Transaction Type	Mortgage
Record Updated	May 4, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97109 PIRATES POINT RD YULEE FL 320976533, YULEE, FL 32097-6533

Mortgage

Document Number	0021911974
Date	Apr 25, 2018
Book Page	002191/001974
Instrument	12505

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 24, 2033

Tax Assessment & Valuation

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	Veteran's exemption	$447,758 (+5.99%)	$506,714 (+19.94%) Land $100,000 Building $406,714
2023	Disabled Person's exemption Veteran's exemption	$422,465 Land $100,000 Building $322,465	$422,465 Land $100,000 Building $322,465

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

Flood

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 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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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