97269 Morgans Way, Yulee, FL 32097 Property Records

Nassau County property record for 97269 Morgans Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,329 sqft · built 1976
Lot Size	1.24 acres (54,028 sqft)
Owner	2 Individual Names on File
Last Sale	$50,000 (Apr 2006)
Tax Bill	$1,679 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509B-0002-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509B-0002-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,329 sqft Heated Area
Gross Area	2,118 sqft
1st Floor Area	1,329 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	54,028 sqft (1.24 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Enclosed Porch
Porch Area	309 sqft
Shed	1 Shed
Shed Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97269 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 2 & 3 MILITARY PT OR 440/491 & IN OR 1406/729 PIRATES WOOD 2 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 2
Legal Lot Number	2,3 3
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1016
Census Tract	50308

Owner

97269 Morgans Way is owned and occupied by two individuals who bought it in April 2006.

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

Owner of Record	2 Individual Names on File
Mailing Address	97269 MORGANS WAY, YULEE, FL 32097-2491
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2006 · Amount on File
Deed Sale	Apr 24, 2006 · Amount on File
Deed Document Number	200614468
Deed Book / Page	1406 / 0729
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97269 MORGANS WAY, YULEE, FL 32097-2491
Document Number	0023511015
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97269 MORGANS WAY YULEE FL 320972491, YULEE, FL 32097-2491

Mortgage

Document Number	0023511015
Date	Apr 2, 2020
Book Page	002351/001015
Instrument	45010376

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 97269 Morgans Way was $1,679 with a homeowner's exemption.

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	$1,679.00 Homeowner's exemption	$149,722	$420,495 Land $200,000 Building $220,495
2023	$1,618.00 Homeowner's exemption	$141,264	$377,620 Land $200,000 Building $177,620

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

Flood

FEMA maps place 97269 Morgans Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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	9.0 ft
Flood Insurance Requirement	Required federally backed loans
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 97269 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