Nassau County property record for 97189 Morgans Way, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,084 sqft · built 1996 |
| Lot Size | 0.575 acres (25,083 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $7,500 (Aug 1995) |
| Tax Bill | $1,587 (2025) |
| Deeds & Mortgages | Sep 2019 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 43-3N-28-509B-0007-0000 |
| Primary APN | 43-3N-28-509B-0007-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,084 sqft Heated Area |
| Gross Area | 2,364 sqft |
| 1st Floor Area | 1,042 sqft |
| Upper Floors Area | 1,042 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,083 sqft (0.575 acres) |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Gazebo | Gazebo |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97189 MORGANS WAY |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2487 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 7 IN OR 735/1201 PIRATES WOOD 2 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD 2 |
| Legal Lot Number | 7 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 50308 |
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 | 97189 MORGANS WAY, YULEE, FL 32097-2487 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 1995 · Amount on Record |
| Deed Sale | Aug 3, 1995 · Amount on Record |
| Deed Document Number | 0007351201 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97189 MORGANS WAY, YULEE, FL 32097-2487 |
| Document Number | 0023090816 |
| Instrument Date | Sep 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 97189 MORGANS WAY YULEE FL 320972487, YULEE, FL 32097-2487 |
| Document Number | 0023090816 |
|---|---|
| Date | Oct 3, 2019 |
| Book Page | 002309/000816 |
| Instrument | 45031889 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 2, 2029 |
| Rate Type | Adjustable Rate |
|---|
Source: Nassau County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,587.00 (-3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $148,769 (+2.9%) | $364,436 (+6.34%) Land $100,000 Building $264,436 |
| 2024 | $1,636.00 (+2.06%) Homeowner's exemption | $144,576 (+3%) | $342,694 (+3.02%) Land $100,000 Building $242,694 |
| 2023 | $1,603.00 (+11.71%) Homeowner's exemption | $140,365 (+3%) | $332,663 (+43.2%) Land $100,000 Building $232,663 |
| 2022 | $1,435.00 Homeowner's exemption | $136,277 | $232,309 Land $60,000 Building $172,309 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · lower than 79% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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