97315 Pirates Way, Yulee, FL 32097 Property Records

Nassau County property record for 97315 Pirates Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,589 sqft · built 2017
Lot Size	0.82 acres (35,722 sqft)
Owner	2 Individual Names on Record
Last Sale	$44,500 (Aug 2015)
Tax Bill	$2,547 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509C-0054-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0054-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,589 sqft Heated Area
Gross Area	2,198 sqft
1st Floor Area	1,589 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	35,722 sqft (0.82 acres)
Garage Area	441 sqft
Porch	Open Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97315 PIRATES WAY
City	YULEE
State	FL
Zip	32097-2558
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 54 IN OR 1996/451 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 3
Legal Lot Number	54
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1013
Census Tract	50308

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	97315 PIRATES WAY, YULEE, FL 32097-2558
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 13, 2017	Loan Modification, Mortgage FIRST FSB/FL
May 16, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2015 · Amount on Record
Deed Sale	Aug 10, 2015 · Amount on Record
Prior Sale	Jan 22, 2004 · Amount on Record
Deed Document Number	201522687
Deed Book / Page	1996 / 0451
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97315 PIRATES WAY, YULEE, FL 32097-2558
Transaction Type	Mortgage
Record Updated	May 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024470838
Date	Mar 30, 2021
Book Page	2447/838
Instrument	202145011312

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	97315 PIRATES WAY, YULEE, FL 32097-2558
Document Number	0021641318
Book / Page	002164 / 001318
Instrument Date	Dec 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97315 PIRATES WAY YULEE FL 320972558, YULEE, FL 32097-2558

Mortgage

Document Number	0021641318
Date	Dec 15, 2017
Book Page	002164/001318
Instrument	36786

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	NASSAU FL
Recording Date	May 16, 2017
Property Address	97315 PIRATES WAY, YULEE, FL 32097-2558
Document Number	0021200872
Book / Page	002120 / 000872
Instrument Date	May 15, 2017
Instrument	14565
Transaction Type	Construction Loan
Record Updated	May 25, 2017
Title Company	AMELIA TITLE AGENCY INC, AMELIA TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	86415 SAND HICKORY TRL YULEE FL 320977296, YULEE, FL 32097-7296

Mortgage

Document Number	21200872
Date	May 16, 2017
Book Page	002120/000872
Instrument	14565

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

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	$2,547.00 (+1.51%) Homeowner's exemption	$206,294 (+2.9%)	$425,808 (+3.52%) Land $100,000 Building $325,808
2024	$2,509.00 (+3.89%) Homeowner's exemption	$200,480 (+4.83%)	$411,340 (+23.18%) Land $100,000 Building $311,340
2023	$2,415.00 (+10.88%) Homeowner's exemption	$191,243 (+3%)	$333,941 (+40.85%) Land $100,000 Building $233,941
2022	$2,178.00 Homeowner's exemption	$185,673	$237,093 Land $60,000 Building $177,093

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 minimal risk
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 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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