97174 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97174 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft · built 1986
Lot Size	0.641 acres (27,922 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Oct 2018)
Tax Bill	$2,455 (2025)
Deeds & Mortgages	Jun 2022 Second Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0035-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0035-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,128 sqft Heated Area
Gross Area	2,076 sqft
1st Floor Area	648 sqft
Upper Floors Area	480 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	27,922 sqft (0.641 acres)
Garage Type	Carport
Carport	Carport
Carport Area	1,120 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	948 sqft
Shed	1 Shed
Shed Area	156 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97174 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 35 IN OR 2233/769 PIRATES WOOD 4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 4
Legal Lot Number	35
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
Census Tract	50308

Owner

Source: Nassau County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Mar 17, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST HOME BANK
Mar 24, 2020	Deed of Trust, Mortgage · VA Mortgage FIRST HOME BANK
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit JAX FEDERAL CERDIT UNION
Oct 29, 2018	Warranty Deed, Transfer · Conventional Mortgage JAX FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Aug 20, 2008 · Amount on Record
Deed Document Number	201845033508
Deed Book / Page	2233 / 0769
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532

Mortgage

Document Number	0025701022
Date	Jun 15, 2022
Book Page	2570/1022
Instrument	202245021364

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 6, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532
Transaction Type	Mortgage
Record Updated	Apr 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532

Mortgage

Document Number	0024431102
Date	Mar 17, 2021
Book Page	2443/1102
Instrument	202145009511

Lender

Name	FIRST HOME BANK
Type	Bank
Address	SEMINOLE, FL 33772

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023491413
Date	Mar 24, 2020
Book Page	2349/1413
Instrument	202045009627

Lender

Name	FIRST HOME BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022811135
Date	Jun 13, 2019
Book Page	2281/1135
Instrument	201945018752

Lender

Name	JAX FEDERAL CERDIT UNION
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Oct 29, 2018
Property Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532
Document Number	0022330769
Book / Page	2233 / 0769
Instrument Date	Oct 24, 2018
Instrument	201845033508
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	HILLCREST TITLE & TRUST AGEN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 HAMPTON AVE, 105, GOOSE CREEK, SC 29445-3228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97174 PIRATES POINT RD, YULEE, FL 32097-6532

Mortgage

Document Number	0022330771
Date	Oct 29, 2018
Book Page	2233/0771
Instrument	201845033509

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$2,455.00 (+1.57%) Homeowner's exemption Disabled Person's exemption	$205,331 (+2.9%)	$415,850 (+10.32%) Land $200,000 Building $215,850
2024	$2,417.00 (+1.77%) Homeowner's exemption Disabled Person's exemption	$199,544 (+3%)	$376,932 (+10.14%) Land $170,000 Building $206,932
2023	$2,375.00 (+7.61%) Homeowner's exemption Disabled Person's exemption	$193,732 (+3%)	$342,237 (+19.51%) Land $170,000 Building $172,237
2022	$2,207.00 Homeowner's exemption Disabled Person's exemption	$188,089	$286,369 Land $160,000 Building $126,369

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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