Nassau County property record for 97239 Laffites Way, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 984 sqft · built 1972 |
| Lot Size | 0.574 acres (25,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $805 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Sep 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-3N-28-509B-0051-0000 |
| Primary APN | 43-3N-28-509B-0051-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 984 sqft Living Area |
| Gross Area | 1,272 sqft |
| 1st Floor Area | 984 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 25,000 sqft (0.574 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 153 sqft |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97239 LAFFITES WAY |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2481 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 51 IN OR 1579/1645 PIRATES WOOD 2 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD |
| Legal Lot Number | 51 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 50308 |
97239 Laffites Way is owned and occupied by two individuals who acquired it in October 2025.
Source: Nassau County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 9, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 8, 2022 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Sep 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 4, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 9, 2025 |
| Transfer Doc | 0028211411 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Oct 9, 2025 |
| Property Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Document Number | 0028211411 |
| Book / Page | 2821 / 1411 |
| Map Reference | VOL 103 PG 424 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 202545030731 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Document Number | 0025890503 |
|---|---|
| Date | Sep 8, 2022 |
| Book Page | 2589/503 |
| Instrument | 202245031040 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Title Company | WATSON TITLE SERVICES INC, WATSON TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Document Number | 0024921711 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 2492/1711 |
| Instrument | 202145032606 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021380125 |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 2138/0125 |
| Instrument | 201723313 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97239 LAFFITES WAY, YULEE, FL 32097-2481 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0023970022 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | 2397/22 |
| Instrument | 202045031433 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 97239 Laffites Way was $805, up 2.4% from the year before.
Source: Nassau County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $805.00 (+2.42%) | $92,790 (+2.9%) | $242,553 (+12.98%) Land $100,000 Building $142,553 |
| 2024 | $786.00 (+3.42%) Homeowner's exemption | $90,175 (+3%) | $214,683 (+2.28%) Land $100,000 Building $114,683 |
| 2023 | $760.00 (+14.46%) Homeowner's exemption | $87,549 (+3%) | $209,891 (+39.12%) Land $100,000 Building $109,891 |
| 2022 | $664.00 Homeowner's exemption | $84,999 | $150,867 Land $60,000 Building $90,867 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97239 Laffites 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 |
|
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 risk around 97239 Laffites 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.
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 |
| 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.
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 |
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