97125 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97125 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,744 sqft · built 1985
Lot Size	1.15 acres (50,400 sqft)
Owner	Individual Name on Record
Last Sale	$535,000 (Jul 2024)
Tax Bill	$7,132 (2025)
Deeds & Mortgages	Jul 2018 Loan Modification May 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509C-0034-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0034-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,744 sqft Heated Area
Gross Area	2,722 sqft
1st Floor Area	2,320 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1995
Exterior Material	Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	50,400 sqft (1.15 acres)
Garage Area	560 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	418 sqft
Patio Area	600 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97125 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	LOTS 34 & 35 IN OR 2723/1804 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 3
Legal Lot Number	34,35 35
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

Source: Nassau County records, as of January 26, 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 Record
Co-owner	Co-owner on Record
Mailing Address	97125 PIRATES POINT RD, YULEE, FL 32097-6533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2018	Loan Modification, Mortgage · VA Mortgage RUSHMORE LN MGMT SVCS
May 2, 2017	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2024 · Amount on Record
Deed Sale	Jul 9, 2024 · Amount on Record
Prior Sale	May 2, 2017 · Amount on Record
Deed Document Number	0027231804
Deed Book / Page	2723 / 1804
Record Updated	Jun 8, 2026

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	97125 PIRATES POINT RD, YULEE, FL 32097-6533
Document Number	0022630547
Instrument Date	Jul 2, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97125 PIRATES POINT RD YULEE FL 320976533, YULEE, FL 32097-6533

Mortgage

Document Number	0022630547
Date	Mar 25, 2019
Book Page	002263/000547
Instrument	45009038

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2049

Interest

Rate	4.25%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 2, 2017
Property Address	97125 PIRATES POINT RD, YULEE, FL 32097-6533
Document Number	0021170639
Book / Page	002117 / 000639
Instrument Date	May 1, 2017
Instrument	13015
Transaction Type	Transfer
Record Updated	May 10, 2017
Title Company	GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TR INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97125 PIRATES POINT RD YULEE FL 320976533, YULEE, FL 32097-6533

Mortgage

Document Number	21170640
Date	May 2, 2017
Book Page	002117/000640
Instrument	13016

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	$7,132.00 (+26.45%)	$464,575 (+6.95%) Land $170,000 Building $294,575	$464,575 (+6.95%) Land $170,000 Building $294,575
2024	$5,640.00 (+4.12%)	$434,371 (+2.68%) Land $170,000 Building $264,371	$434,371 (+2.68%) Land $170,000 Building $264,371
2023	$5,417.00 (+32.77%)	$423,015 (+42.95%) Land $170,000 Building $253,015	$423,015 (+42.95%) Land $170,000 Building $253,015
2022	$4,080.00	$295,926 Land $102,000 Building $193,926	$295,926 Land $102,000 Building $193,926

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 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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.

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 77 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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