97268 Pirates Way, Yulee, FL 32097 Property Records

Nassau County property record for 97268 Pirates Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,008 sqft · built 1991
Lot Size	0.543 acres (23,659 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (May 2019)
Tax Bill	$1,597 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509D-0074-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0074-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,008 sqft Living Area
1st Floor Area	576 sqft
Upper Floors Area	432 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	23,659 sqft (0.543 acres)
Porch	Screened/Unfinished Porch
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97268 PIRATES WAY
City	YULEE
State	FL
Zip	32097-2499
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 74 IN OR 2276/844 PIRATES WOOD 4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	74
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
Census Tract	50308

Owner

97268 Pirates Way is owned and occupied by two individuals who acquired it in August 2024.

Source: Nassau County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97268 PIRATES WAY, YULEE, FL 32097-2499
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Apr 4, 2023	Deed of Trust, Mortgage · FHA Mortgage PHH MORTGAGE SERVICES CORP
May 23, 2019	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2019 · Amount on File
Deed Sale	May 23, 2019 · Amount on File
Prior Sale	Apr 11, 2005 · Amount on File
Deed Document Number	201945016305
Deed Book / Page	2276 / 844
Last Transfer Date	Aug 22, 2024
Transfer Doc	0027340105
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Recording Date	May 1, 2026
Property Address	97268 PIRATES WAY, YULEE, FL 32097-2499
Document Number	0000013043
Book / Page	2865 / 239
Instrument Date	Apr 23, 2026
Instrument	202613043
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97268 PIRATES WAY, YULEE, FL 32097-2499

Mortgage

Document Number	0000013043,
Date	May 1, 2026
Book Page	2865/239
Instrument	202613043

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97268 PIRATES WAY, YULEE, FL 32097-2499
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97268 PIRATES WAY, YULEE, FL 32097-2499

Mortgage

Document Number	0026290910
Date	Apr 4, 2023
Book Page	2629/910
Instrument	202345009494

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MONTCALM, WV 24737

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 23, 2019
Property Address	97268 PIRATES WAY, YULEE, FL 32097-2499
Document Number	0022760844
Book / Page	002276 / 000844
Instrument Date	May 22, 2019
Instrument	45016305
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97268 PIRATES WAY YULEE FL 320972499, YULEE, FL 32097-2499

Mortgage

Document Number	22760845
Date	May 23, 2019
Book Page	002276/000845
Instrument	45016306

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2049

Mortgage

Document Number	22760860,
Date	May 23, 2019
Book Page	002276/000860
Instrument	45016307

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	96135 NASSAU PL # 2, YULEE, FL 32097-8635

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 97268 Pirates Way was $1,597, up 1.7% 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	$1,597.00 (+1.72%)	$144,428 (+2.9%)	$272,299 (+2.89%) Land $100,000 Building $172,299
2024	$1,570.00 (+2.08%) Homeowner's exemption	$140,358 (+3%)	$264,648 (+9.06%) Land $100,000 Building $164,648
2023	$1,538.00 (+11.85%) Homeowner's exemption	$136,270 (+3%)	$242,667 (+44.55%) Land $100,000 Building $142,667
2022	$1,375.00 Homeowner's exemption	$132,301	$167,878 Land $60,000 Building $107,878

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

Flood

FEMA maps place 97268 Pirates Way in Zone X, an area of minimal flood risk, within 500 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 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 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 97268 Pirates Way is moderate, ranking above 52% 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 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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