97217 Pirates Way, Yulee, FL 32097 Property Records

Nassau County property record for 97217 Pirates Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,497 sqft · built 1978
Lot Size	0.602 acres (26,220 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Oct 2020)
Tax Bill	$1,274 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509C-0058-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0058-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,497 sqft Living Area
Gross Area	1,874 sqft
1st Floor Area	1,497 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	26,220 sqft (0.602 acres)
Garage Type	Attached
Garage Area	377 sqft
Pool Area	420 sqft
Deck Area	Deck Area
Patio Area	626 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97217 PIRATES WAY
City	YULEE
State	FL
Zip	32097-2498
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 58 IN OR 2398/1572 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	58
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1013
Census Tract	50308

Owner

Source: Nassau County records, as of November 26, 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 Record
Mailing Address	97217 PIRATES WAY, YULEE, FL 32097-2498
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Dec 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Oct 8, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Prior Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	202045032323
Deed Book / Page	2398 / 1572
Prior Transfer Date	Aug 19, 2019
Prior Transfer Doc	0023491461
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97217 PIRATES WAY, YULEE, FL 32097-2498
Transaction Type	Mortgage
Record Updated	Jan 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97217 PIRATES WAY, YULEE, FL 32097-2498

Mortgage

Document Number	0026110735
Date	Jan 3, 2023
Book Page	2611/735
Instrument	202345000130

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97217 PIRATES WAY, YULEE, FL 32097-2498
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97217 PIRATES WAY, YULEE, FL 32097-2498

Mortgage

Document Number	0025220514
Date	Dec 16, 2021
Book Page	2522/514
Instrument	202145046394

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Oct 8, 2020
Property Address	97217 PIRATES WAY, YULEE, FL 32097-2498
Document Number	0023981572
Book / Page	002398 / 001572
Instrument Date	Oct 2, 2020
Instrument	45032323
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$945.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97217 PIRATES WAY YULEE FL 320972498, YULEE, FL 32097-2498

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 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	$1,274.00 (+1.92%) Homeowner's exemption	$123,393 (+2.9%)	$337,746 (+63.91%) Land $100,000 Building $237,746
2024	$1,250.00 (+2.38%) Homeowner's exemption	$119,915 (+3%)	$206,055 (+1.37%) Land $100,000 Building $106,055
2023	$1,221.00 (+12.53%) Homeowner's exemption	$116,422 (+3%)	$203,277 (+46.91%) Land $100,000 Building $103,277
2022	$1,085.00 Homeowner's exemption	$113,031	$138,366 Land $60,000 Building $78,366

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 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 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 60 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

Cell Coverage

5G (outdoors only) and 4G LTE

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