Nassau County property record for 97296 Morgans Way, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,646 sqft · built 1984 |
| Lot Size | 0.566 acres (24,654 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,234 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 43-3N-28-509B-0039-0000 |
| Primary APN | 43-3N-28-509B-0039-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,646 sqft Living Area |
| 1st Floor Area | 1,646 sqft |
| Flooring | Carpet |
| Interior Walls | Plywood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 24,654 sqft (0.566 acres) |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | Deck Area |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97296 MORGANS WAY |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2492 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 39 IN OR 1474/558 PIRATES WOOD 2 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD |
| Legal Lot Number | 39 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 50308 |
Source: Nassau County records, as of November 26, 2025
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 |
|---|---|
| Mailing Address | 97296 MORGANS WAY, YULEE, FL 32097-2492 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 14, 2006 |
| Transfer Doc | 0014740558 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97296 MORGANS WAY, YULEE, FL 32097-2492 |
| Document Number | 0021891193 |
| Instrument Date | Mar 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 97296 MORGANS WAY YULEE FL 320972492, YULEE, FL 32097-2492 |
| Document Number | 0021891193 |
|---|---|
| Date | Apr 12, 2018 |
| Book Page | 002189/001193 |
| Instrument | 11223 |
| Name | COMMUNITY FIRST CU/FL |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32204 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 11, 2028 |
Source: Nassau County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,234.00 (+2.15%) Homeowner's exemption Widower's exemption | $125,777 (+2.9%) | $289,500 (+8.56%) Land $100,000 Building $189,500 |
| 2024 | $1,208.00 (+2.63%) Homeowner's exemption Widower's exemption | $122,232 (+3%) | $266,676 (+2.71%) Land $100,000 Building $166,676 |
| 2023 | $1,177.00 (+5.94%) Homeowner's exemption Widower's exemption | $118,672 (+3%) | $259,646 (+43.82%) Land $100,000 Building $159,646 |
| 2022 | $1,111.00 Homeowner's exemption Widower's exemption | $115,216 | $180,540 Land $60,000 Building $120,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: 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.
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 |
| 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.
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 |
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