97432 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97432 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,721 sqft · built 2001
Lot Size	1.28 acres (55,764 sqft)
Owner	Individual Name on Record
Last Sale	$851,500 (Sep 2020)
Tax Bill	$17,204 (2024)
Deeds & Mortgages	Feb 2020 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0017-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0017-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,721 sqft Living Area
Gross Area	5,657 sqft
1st Floor Area	3,249 sqft
Upper Floors Area	900 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	55,764 sqft (1.28 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	936 sqft
Driveway	Concrete Driveway

Exterior Amenities

Pool Area	455 sqft
Porch	Finished/Open Porch
Porch Area	1,834 sqft
Deck Area	Deck Area
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97432 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOTS 17 & 18 IN OR 2388/1026 PIRATES WOOD 4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	D0017
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
Census Tract	50308

Owner

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	97432 PIRATES POINT RD, YULEE, FL 32097-1406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Sep 1, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	202045027559
Deed Book / Page	2388 / 1026
Record Updated	Sep 20, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97432 PIRATES POINT RD, YULEE, FL 32097-1406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023421103
Date	Feb 28, 2020
Book Page	2342/1103
Instrument	202045006525

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Sep 1, 2020
Property Address	97432 PIRATES POINT RD, YULEE, FL 32097-1406
Document Number	0023881026
Book / Page	2388 / 1026
Instrument Date	Aug 31, 2020
Instrument	202045027559
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	GIBRALTAR TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,960.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97432 PIRATES POINT RD, 97432, YULEE, FL 32097-1406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97432 PIRATES POINT RD, YULEE, FL 32097-1406

Mortgage

Document Number	0023881030
Date	Sep 1, 2020
Instrument	2388/1030

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 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	Veteran's exemption	$1,213,040 (+6.34%) Land $340,000 Building $873,040	$1,213,040 (+6.34%) Land $340,000 Building $873,040
2024	$17,204.00 (+0.8%) Homeowner's exemption	$1,140,758 (+2.84%) Land $289,000 Building $851,758	$1,140,758 (+2.84%) Land $289,000 Building $851,758
2023	$17,068.00 (+31.23%) Homeowner's exemption	$1,109,290 (+24.58%) Land $289,000 Building $820,290	$1,109,290 (+24.58%) Land $289,000 Building $820,290
2022	$13,006.00	$890,435 Land $288,000 Building $602,435	$890,435 Land $288,000 Building $602,435

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
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	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.2% 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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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