Nassau County property record for 97289 Pirates Point Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,024 sqft · built 1994 |
| Lot Size | 1.15 acres (50,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $15,000 (Aug 1992) |
| Tax Bill | $3,128 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-3N-28-509C-0028-0000 |
| Primary APN | 43-3N-28-509C-0028-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,024 sqft Heated Area |
| Gross Area | 5,278 sqft |
| 1st Floor Area | 1,232 sqft |
| Upper Floors Area | 792 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 50,400 sqft (1.15 acres) |
| Garage Type | Carport |
| Garage Area | 900 sqft |
| Carport | Carport |
| Porch | Enclosed Porch |
| Porch Area | 1,144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97289 PIRATES POINT RD |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-1403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOTS 28 & 29 IN OR 665 PG 849 & OR 654/945 PIRATES WOOD #3 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD #3 |
| Legal Lot Number | 28,29 29 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 50308 |
Source: Nassau County records · APN 43-3N-28-509C-0028-0000
Assessment roll updated July 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 97289 PIRATES POINT RD, YULEE, FL 32097-1403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 17, 2017 | Deed of Trust, Mortgage · Line of Credit SYNOVUS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 21, 1992 · Amount on Record |
| Deed Sale | Aug 21, 1992 · Amount on Record |
| Deed Document Number | 0000665849 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97289 PIRATES POINT RD, YULEE, FL 32097-1403 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0024730819 |
|---|---|
| Date | Jun 24, 2021 |
| Book Page | 2473/819 |
| Instrument | 202145023671 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 01, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97289 PIRATES POINT RD, YULEE, FL 32097-1403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021331277 |
|---|---|
| Date | Jul 17, 2017 |
| Book Page | 2133/1277 |
| Instrument | 201721212 |
| Name | SYNOVUS BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, GA 31901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Nassau County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,128.00 (+1.43%) Homeowner's exemption | $244,124 (+2.9%) | $541,740 (+3.29%) Land $170,000 Building $371,740 |
| 2024 | $3,084.00 (+1.48%) Homeowner's exemption | $237,244 (+3%) | $524,462 (+3.01%) Land $170,000 Building $354,462 |
| 2023 | $3,039.00 (+10.55%) Homeowner's exemption | $230,334 (+3%) | $509,126 (+42.25%) Land $170,000 Building $339,126 |
| 2022 | $2,749.00 Homeowner's exemption | $223,625 | $357,905 Land $102,000 Building $255,905 |
Source: FEMA National Flood Hazard Layer, Nassau County (12089C), as of January 21, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120890503081, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
|
| Wildfire Risk | Moderate above 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 77 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system FL2454338, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JEA: LOFTON OAKS GRID private · serves 24,318 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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