97204 Owl Roost Ct, Yulee, FL 32097 Property Records

Nassau County property record for 97204 Owl Roost Ct, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,595 sqft · built 2018
Lot Size	0.176 acres (7,683 sqft)
Owner	2 Individual Names on File
Last Sale	$240,257 (Apr 2018)
Tax Bill	$3,780 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-3N-28-0741-0588-0000`

Property Details

APN / Parcel Number

Primary APN	`37-3N-28-0741-0588-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,595 sqft Heated Area
Gross Area	3,360 sqft
1st Floor Area	1,130 sqft
Upper Floors Area	1,465 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,683 sqft (0.176 acres)
Garage Area	420 sqft
Porch	Open Porch
Porch Area	275 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97204 OWL ROOST CT
City	YULEE
State	FL
Zip	32097-3643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 588 IN OR 2186/1284 HERON ISLES PHASE TWO C-3 PBK 8/180
Legal Range	28E
Legal Township	03N
Legal Section	37
Legal Subdivision	HERON ISLES PHASE TWO
Legal Phase	2
Legal Lot Number	588
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	4
Census Block	4024
Census Tract	50306

Owner

97204 Owl Roost Ct is owned and occupied by two individuals who bought it in April 2018.

Source: Nassau County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97204 OWL ROOST CT, YULEE, FL 32097-3643
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 7, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 2, 2018	Grant Deed, Transfer · FHA Mortgage KBHS HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on File
Deed Sale	Apr 2, 2018 · Amount on File
Deed Document Number	201809714
Deed Book / Page	2186 / 1284
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97204 OWL ROOST CT, YULEE, FL 32097-3643
Transaction Type	Mortgage
Record Updated	Jan 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97204 OWL ROOST CT, YULEE, FL 32097-3643

Mortgage

Document Number	0025280105
Date	Jan 11, 2022
Book Page	2528/105
Instrument	202245000999

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	344 Months
Due	Sep 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97204 OWL ROOST CT, YULEE, FL 32097-3643
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023731752
Date	Jul 7, 2020
Book Page	2373/1752
Instrument	202045020555

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2050

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 2, 2018
Property Address	97204 OWL ROOST CT, YULEE, FL 32097-3643
Document Number	0021861284
Book / Page	002186 / 001284
Instrument Date	Mar 28, 2018
Instrument	9714
Transaction Type	Transfer
Record Updated	Apr 9, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,681.80
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	97204 OWL ROOST CT YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	21861286
Date	Apr 2, 2018
Book Page	002186/001286
Instrument	9715

Lender

Name	KBHS HM LNS LLC
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 97204 Owl Roost Ct was $3,780 with a homeowner's exemption, up 1.1% from the year before.

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	$3,780.00 (+1.07%) Homeowner's exemption	$218,829 (+2.9%)	$372,526 (+2.72%) Land $65,000 Building $307,526
2024	$3,740.00 (+1.14%) Homeowner's exemption	$212,662 (+3%)	$362,646 (-2.3%) Land $55,000 Building $307,646
2023	$3,698.00 (+7.47%) Homeowner's exemption	$206,468 (+3%)	$371,174 (+25.86%) Land $55,000 Building $316,174
2022	$3,441.00 Homeowner's exemption	$200,454	$294,900 Land $55,000 Building $239,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97204 Owl Roost Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 55 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	55 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Tropical Storm Debby

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

Wildfire risk around 97204 Owl Roost Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	8,000 / 8,000
IQ Fiber Fiber	5,000 / 5,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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