97235 Morgans Way, Yulee, FL 32097 Property Records

Nassau County property record for 97235 Morgans Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,994 sqft · built 2016
Lot Size	1.23 acres (53,988 sqft)
Owner	2 Individual Names on File
Last Sale	$72,000 (Aug 2013)
Tax Bill	$7,959 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509B-0004-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509B-0004-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	4,994 sqft Living Area
Gross Area	5,650 sqft
1st Floor Area	4,314 sqft
Upper Floors Area	680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	53,988 sqft (1.23 acres)
Garage Type	Attached
Garage Area	656 sqft
Porch	Finished/Open Porch
Porch Area	425 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97235 MORGANS WAY
City	YULEE
State	FL
Zip	32097-2491
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOTS 4 & 5 IN OR 1875/193 PIRATES WOOD 2 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	B0004
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1016
Census Tract	50308

Owner

97235 Morgans Way is owned and occupied by two individuals who bought it in August 2013.

Source: Nassau County records, as of June 18, 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	97235 MORGANS WAY, YULEE, FL 32097-2491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2013 · Amount on File
Deed Sale	Aug 26, 2013 · Amount on File
Prior Sale	Nov 18, 2003 · Amount on File
Deed Document Number	201323617
Deed Book / Page	1875 / 193
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97235 MORGANS WAY, YULEE, FL 32097-2491
Transaction Type	Mortgage
Record Updated	Jun 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97235 MORGANS WAY, YULEE, FL 32097-2491

Mortgage

Document Number	0025670266
Date	Jun 2, 2022
Book Page	2567/266
Instrument	202245019640

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jun 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 97235 Morgans Way was $7,959 with a homeowner's exemption, up 1.2% from the year before.

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	$7,959.00 (+1.22%) Homeowner's exemption	$558,801 (+2.9%)	$926,186 (+10.6%) Land $170,000 Building $756,186
2024	$7,863.00 (+1.09%) Homeowner's exemption	$543,052 (+3%)	$837,441 (+3.37%) Land $170,000 Building $667,441
2023	$7,778.00 (+9.77%) Homeowner's exemption	$527,235 (+3%)	$810,119 (+39.1%) Land $170,000 Building $640,119
2022	$7,086.00 Homeowner's exemption	$511,879	$582,398 Land $102,000 Building $480,398

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

Flood

FEMA maps place 97235 Morgans Way in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
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 97235 Morgans Way is moderate, ranking above 50% 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 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