97208 Morgans Way, Yulee, FL 32097 Property Records

Nassau County property record for 97208 Morgans Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,608 sqft · built 1986
Lot Size	0.573 acres (25,001 sqft)
Owner	2 Company Names on Record
Last Sale	$495,000 (May 2025)
Tax Bill	$2,354 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509B-0035-0000`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,608 sqft Heated Area
Gross Area	3,024 sqft
1st Floor Area	1,928 sqft
Upper Floors Area	680 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,001 sqft (0.573 acres)
Garage Area	288 sqft

Exterior Amenities

Pool Area	384 sqft
Porch	Open Porch
Porch Area	416 sqft
Patio Area	888 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97208 MORGANS WAY
City	YULEE
State	FL
Zip	32097-2492
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 35 IN OR 2788/1975 PIRATES WOOD 2 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 2
Legal Lot Number	35
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1015
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 Company Names on Record
Co-owner	Co-owner on Record
Mailing Address	97208 MORGANS WAY, YULEE, FL 32097-2492
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	May 20, 2025 · Amount on Record
Deed Sale	May 20, 2025 · Amount on Record
Prior Sale	Oct 31, 2008 · Amount on Record
Deed Document Number	0027881975
Deed Book / Page	2788 / 1975
Record Updated	Jun 8, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 20, 2025
Property Address	97208 MORGANS WAY, YULEE, FL 32097-2492
Document Number	0027881975
Book / Page	2788 / 1975
Instrument Date	May 20, 2025
Instrument	202545014773
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	97208 MORGANS WAY, YULEE, FL 32097-2492
Investor	Possibly a Property Investor

Mortgage

Document Number	0027881977
Date	May 20, 2025
Instrument	2788/1977

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2040

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	$2,354.00 (+1.55%) Homeowner's exemption	$193,721 (+2.9%)	$423,824 (+7.85%) Land $100,000 Building $323,824
2024	$2,318.00 (+7.96%) Homeowner's exemption	$188,261 (+7.92%)	$392,966 (+5.32%) Land $100,000 Building $292,966
2023	$2,147.00 (+11.07%) Homeowner's exemption	$174,452 (+3%)	$373,108 (+30.51%) Land $100,000 Building $273,108
2022	$1,933.00 Homeowner's exemption	$169,371	$285,877 Land $60,000 Building $225,877

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 X minimal risk
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	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 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.

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 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