97128 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97128 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,868 sqft · built 1983
Lot Size	0.854 acres (37,228 sqft)
Owner	Individual Name on Record
Last Sale	$565,000 (Jun 2023)
Tax Bill	$6,189 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0038-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0038-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,868 sqft Heated Area
Gross Area	2,596 sqft
1st Floor Area	1,868 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,228 sqft (0.854 acres)
Garage Type	Mixed
Garage Area	396 sqft
Carport	Carport
Carport Area	120 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	236 sqft
Patio Area	96 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97128 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-6532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 38 & PT OF LOT 37 IN OR 2645/1055 PIRATES WOOD 4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 4
Legal Lot Number	38,PT
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
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	97128 PIRATES POINT RD, YULEE, FL 32097-6532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage STRONG HOME MORTGAGE LLC
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit MILEND
Jul 18, 2017	Deed of Trust, Mortgage · Conventional with PMI MILEND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Prior Sale	Sep 22, 2015 · Amount on Record
Deed Document Number	202345016842
Deed Book / Page	2645 / 1055
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 2, 2023
Property Address	97128 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0026451055
Book / Page	2645 / 1055
Instrument Date	May 30, 2023
Instrument	202345016842
Transaction Type	Transfer
Record Updated	Jun 22, 2023
Title Company	NOT AVAILABLE, NASSAU BLUE OCEAN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,955.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 CRYSTAL PALM BLVD APT 112, 112, SAINT JOHNS, FL 32259-1128

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	97128 PIRATES POINT RD, YULEE, FL 32097-6532

Mortgage

Document Number	0026451058
Date	Jun 2, 2023
Instrument	2645/1058

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97128 PIRATES POINT RD, YULEE, FL 32097-6532
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97128 PIRATES POINT RD, YULEE, FL 32097-6532

Mortgage

Document Number	0025681824
Date	Jun 9, 2022
Book Page	2568/1824
Instrument	202245020520

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company
Address	MANASSAS, VA 20110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97128 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0021481300
Book / Page	002148 / 001300
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 6, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97128 PIRATES POINT RD YULEE FL 320976532, YULEE, FL 32097-6532

Mortgage

Document Number	0021481300
Date	Sep 28, 2017
Book Page	002148/001300
Instrument	28398

Lender

Name	MILEND
Address	ATLANTA, GA 30350

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2047

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97128 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0021481280
Book / Page	002148 / 001280
Instrument Date	Jul 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 6, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97128 PIRATES POINT RD YULEE FL 320976532, YULEE, FL 32097-6532

Mortgage

Document Number	0021481280
Date	Sep 28, 2017
Book Page	002148/001280
Instrument	28397

Lender

Name	MILEND
Address	ATLANTA, GA 30350

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 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	$6,189.00 (+1.26%) Homeowner's exemption	$443,521 (+2.9%)	$527,005 (+9.56%) Land $266,680 Building $260,325
2024	$6,112.00 (+111.49%) Homeowner's exemption	$431,021 (+95.05%)	$481,023 (+9.65%) Land $226,678 Building $254,345
2023	$2,890.00 (+10.6%) Homeowner's exemption	$220,983 (+3%)	$438,692 (+31.35%) Land $226,678 Building $212,014
2022	$2,613.00 Homeowner's exemption	$214,547	$333,987 Land $176,000 Building $157,987

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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 65% of the US · above 41% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

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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