97291 Morgans Way, Yulee, FL 32097 Property Records

Nassau County property record for 97291 Morgans Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,368 sqft · built 1994
Lot Size	0.646 acres (28,143 sqft)
Owner	2 Owner Names on Record
Last Sale	$225,000 (Mar 2005)
Tax Bill	$3,160 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509B-0001-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509B-0001-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,368 sqft Heated Area
Gross Area	5,059 sqft
1st Floor Area	1,889 sqft
Upper Floors Area	1,479 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,143 sqft (0.646 acres)
Garage Area	870 sqft

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	821 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97291 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	LOT 1 IN OR 1303/1180 PIRATES WOOD #2 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD #2
Legal Lot Number	1
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1016
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	2 Owner Names on Record
Mailing Address	97291 MORGANS WAY, YULEE, FL 32097-2491
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2005 · Amount on Record
Deed Sale	Mar 22, 2005 · Amount on Record
Deed Document Number	0013031180
Deed Book / Page	1303 / 1180
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97291 MORGANS WAY, YULEE, FL 32097-2491
Document Number	0021330051
Book / Page	002133 / 000051
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97291 MORGANS WAY YULEE FL 320972491, YULEE, FL 32097-2491

Mortgage

Document Number	0021330051
Date	Jul 13, 2017
Book Page	002133/000051
Instrument	20905

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2032

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	$3,160.00 (+1.44%) Homeowner's exemption	$246,196 (+2.9%)	$578,004 (-1.72%) Land $100,000 Building $478,004
2024	$3,115.00 (+1.47%) Homeowner's exemption	$239,258 (+3%)	$588,112 (+3.32%) Land $100,000 Building $488,112
2023	$3,070.00 (+10.51%) Homeowner's exemption	$232,289 (+3%)	$569,188 (+33.32%) Land $100,000 Building $469,188
2022	$2,778.00 Homeowner's exemption	$225,523	$426,946 Land $66,000 Building $360,946

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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	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	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