97146 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97146 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,443 sqft · built 1994
Lot Size	0.915 acres (39,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$455,000 (Jun 2020)
Tax Bill	$5,939 (2025)
Deeds & Mortgages	Jun 2020 Sale Jun 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0036-0000`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,443 sqft Heated Area
Gross Area	3,504 sqft
1st Floor Area	2,443 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	39,900 sqft (0.915 acres)
Lot Dimensions	300 ft deep x 133 ft wide
Garage Area	441 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	356 sqft
Patio Area	264 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97146 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 36 & PT OF LOT 37 IN OR 2364/1582 PIRATES WOOD #4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD #4
Legal Lot Number	36,PT S
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	2 Individual Names on Record
Mailing Address	97146 PIRATES POINT RD, YULEE, FL 32097-6532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jun 28, 2019	Deed of Trust, Mortgage · VA Mortgage USAA
Jun 4, 2018	Warranty Deed, Transfer · VA Mortgage USAA
Jul 26, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2020 · Amount on Record
Deed Sale	Jun 1, 2020 · Amount on Record
Prior Sale	Jul 26, 2018 · Amount on Record
Deed Document Number	202045016290
Deed Book / Page	2364 / 1582
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 1, 2020
Property Address	97146 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0023641582
Book / Page	002364 / 001582
Instrument Date	May 29, 2020
Instrument	45016290
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$3,185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97146 PIRATES POINT RD YULEE FL 320976532, YULEE, FL 32097-6532

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97146 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0022871711
Instrument Date	Jun 28, 2019
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97146 PIRATES POINT RD YULEE FL 320976532, YULEE, FL 32097-6532

Mortgage

Document Number	0022871711
Date	Jul 8, 2019
Book Page	002287/001711
Instrument	45021630

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 4, 2018
Property Address	97146 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0022000654
Book / Page	002200 / 000654
Instrument Date	May 31, 2018
Instrument	17023
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97146 PIRATES POINT RD YULEE FL 320976532, YULEE, FL 32097-6532

Mortgage

Document Number	22000656
Date	Jun 4, 2018
Book Page	002200/000656
Instrument	17024

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 26, 2018
Property Address	97146 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0022131263
Book / Page	002213 / 001263
Instrument Date	May 31, 2018
Instrument	23175
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97146 PIRATES POINT RD YULEE FL 320976532, YULEE, FL 32097-6532

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	$5,939.00 (+1.26%) Homeowner's exemption	$427,257 (+2.9%)	$723,386 (+10.31%) Land $333,320 Building $390,066
2024	$5,865.00 (+1.17%) Homeowner's exemption	$415,216 (+3%)	$655,782 (+2.45%) Land $283,322 Building $372,460
2023	$5,797.00 (+9.94%) Homeowner's exemption	$403,122 (+3%)	$640,119 (+43.98%) Land $283,322 Building $356,797
2022	$5,273.00 Homeowner's exemption	$391,381	$444,578 Land $176,000 Building $268,578

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 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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