97222 Cutlass Way, Yulee, FL 32097 Property Records

Nassau County property record for 97222 Cutlass Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,605 sqft · built 2019
Lot Size	0.806 acres (35,140 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (May 2018)
Tax Bill	$4,410 (2025)
Deeds & Mortgages	Oct 2019 Loan Modification Feb 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509F-0010-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509F-0010-0000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,605 sqft Heated Area
Gross Area	3,862 sqft
1st Floor Area	2,605 sqft
Flooring	Concrete/Cement
Interior Walls	Custom/Decorative

Exterior

Year Built	Built 2019
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,140 sqft (0.806 acres)
Garage Area	650 sqft
Porch	Open Porch
Porch Area	441 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97222 CUTLASS WAY
City	YULEE
State	FL
Zip	32097-2465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 10 IN OR 2196/1401 PIRATES WOOD #6 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD #6
Legal Lot Number	10
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1059
Census Tract	50308

Owner

97222 Cutlass Way is owned and occupied by two individuals who bought it in May 2018.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	97222 CUTLASS WAY, YULEE, FL 32097-2465
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2019	Loan Modification, Mortgage · Conventional with PMI FIRST FED'L SVGS BK
Feb 28, 2019	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FED'L SVGS BK
May 16, 2018	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on File
Deed Sale	May 16, 2018 · Amount on File
Prior Sale	Nov 18, 2003 · Amount on File
Deed Document Number	201815054
Deed Book / Page	2196 / 1401
Record Updated	Jun 8, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	97222 CUTLASS WAY, YULEE, FL 32097-2465
Document Number	0023101758
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97222 CUTLASS WAY YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	0023101758
Date	Oct 9, 2019
Book Page	002310/001758
Instrument	45032490

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

February 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 28, 2019
Property Address	97222 CUTLASS WAY, YULEE, FL 32097-2465
Instrument Date	Feb 26, 2019
Instrument	45006043
Transaction Type	Construction Loan
Record Updated	Oct 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	TBD CUTLASS WAY YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	0045006043
Date	Feb 28, 2019
Instrument	45006043

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 16, 2018
Property Address	97222 CUTLASS WAY, YULEE, FL 32097-2465
Document Number	0021961401
Book / Page	002196 / 001401
Instrument Date	May 7, 2018
Instrument	15054
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	WATSON TITLE SERVICES/N FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
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	6898 A C SKINNER PKWY #180 JACKSONVILLE FL 322567895, 180, JACKSONVILLE, FL 32256-7895

Mortgage

Document Number	21961403
Date	May 16, 2018
Book Page	002196/001403
Instrument	15055

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 97222 Cutlass Way was $4,410 with a homeowner's exemption, up 1.3% 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	$4,410.00 (+1.33%) Homeowner's exemption	$327,636 (+2.9%)	$578,052 (+11.17%) Land $100,000 Building $478,052
2024	$4,352.00 (+1.28%) Homeowner's exemption	$318,402 (+3%)	$519,989 (+3.61%) Land $100,000 Building $419,989
2023	$4,297.00 (+10.18%) Homeowner's exemption	$309,128 (+3%)	$501,863 (+32.83%) Land $100,000 Building $401,863
2022	$3,900.00 Homeowner's exemption	$300,124	$377,832 Land $75,000 Building $302,832

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

Flood

FEMA maps place 97222 Cutlass Way in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 2016.

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 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

Wildfire risk around 97222 Cutlass Way is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% 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 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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