97260 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97260 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,888 sqft · built 1988
Lot Size	0.715 acres (31,176 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Mar 2022)
Tax Bill	$9,804 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0027-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0027-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,888 sqft Heated Area
Gross Area	3,004 sqft
1st Floor Area	1,888 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2008
Exterior Material	Precast Concrete Panel
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,176 sqft (0.715 acres)
Garage Type	Mixed
Garage Area	484 sqft
Carport	Carport
Carport Area	310 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	372 sqft
Patio Area	260 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97260 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 27 IN OR 2543/698 PIRATES WOOD 4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 4
Legal Lot Number	27
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4444 GA HIGHWAY 158 W, DOUGLAS, GA 31535-2620
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Warranty Deed, Transfer · Commercial Mortgage DOUGLAS NATIONAL BANK
Jan 6, 2020	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2022 · Amount on Record
Deed Sale	Mar 2, 2022 · Amount on Record
Prior Sale	Jan 6, 2020 · Amount on Record
Deed Document Number	0002543698
Deed Book / Page	2543 / 698
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 2, 2022
Property Address	97260 PIRATES POINT RD, YULEE, FL 32097-1402
Document Number	0025430698
Book / Page	2543 / 698
Instrument Date	Mar 2, 2022
Instrument	202245007787
Transaction Type	Transfer
Record Updated	Mar 25, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,480.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	96048 PALM BLUFF DR, 96048, FERNANDINA BEACH, FL 32034-1640

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4444 GA HIGHWAY 158 W, DOUGLAS, GA 31535-2620

Mortgage

Document Number	0002543701
Date	Mar 2, 2022
Instrument	2543/701

Lender

Name	DOUGLAS NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 2, 2023

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jan 6, 2020
Property Address	97260 PIRATES POINT RD, YULEE, FL 32097-1402
Document Number	0023291346
Book / Page	002329 / 001346
Instrument Date	Dec 31, 2019
Instrument	45000282
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TR INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97260 PIRATES POINT RD YULEE FL 320971402, YULEE, FL 32097-1402

Mortgage

Document Number	23291347
Date	Jan 6, 2020
Book Page	002329/001347
Instrument	45000283

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

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	$9,804.00 (+6.45%)	$638,690 (+8.38%) Land $200,000 Building $438,690	$638,690 (+8.38%) Land $200,000 Building $438,690
2024	$9,210.00 (+4.16%)	$589,331 (+6.37%) Land $170,000 Building $419,331	$589,331 (+6.37%) Land $170,000 Building $419,331
2023	$8,842.00 (+73.68%)	$554,043 (+46.08%) Land $170,000 Building $384,043	$554,043 (+19.78%) Land $170,000 Building $384,043
2022	$5,091.00 Homeowner's exemption	$379,278	$462,543 Land $160,000 Building $302,543

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.2% 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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