97457 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97457 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,892 sqft · built 2005
Lot Size	0.574 acres (25,002 sqft)
Owner	2 Individual Names on File
Last Sale	$58,000 (Mar 2005)
Tax Bill	$2,443 (2025)
Deeds & Mortgages	Feb 2023 Transfer Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509C-0018-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0018-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,892 sqft Living Area
Gross Area	3,333 sqft
1st Floor Area	2,578 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,002 sqft (0.574 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Florida Room
Porch Area	494 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97457 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 18 IN OR 2618/718 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	18
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

97457 Pirates Point Rd is owned and occupied by two individuals who acquired it in February 2023.

Source: Nassau County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97457 PIRATES POINT RD, YULEE, FL 32097-1407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 23, 2020	Deed of Trust, Mortgage · VA Mortgage MID-CONTINENT FNDG INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2005 · Amount on File
Deed Sale	Mar 17, 2005 · Amount on File
Prior Sale	Dec 31, 2002 · Amount on File
Deed Document Number	20059711
Deed Book / Page	1302 / 1016
Last Transfer Date	Feb 6, 2023
Transfer Doc	0026180718
Record Updated	Jun 8, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Feb 8, 2023
Property Address	97457 PIRATES POINT RD, YULEE, FL 32097-1407
Document Number	0026180718
Book / Page	2618 / 718
Instrument Date	Feb 6, 2023
Instrument	202345003815
Transaction Type	Transfer
Record Updated	Mar 3, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97457 PIRATES POINT RD, YULEE, FL 32097-1407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 SEA WINDS LN S, PONTE VEDRA BEACH, FL 32082-2734

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97457 PIRATES POINT RD, YULEE, FL 32097-1407
Document Number	0023800262
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97457 PIRATES POINT RD YULEE FL 320971407, YULEE, FL 32097-1407

Mortgage

Document Number	0023800262
Date	Jul 30, 2020
Book Page	002380/000262
Instrument	45023573

Lender

Name	MID-CONTINENT FNDG INC
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 97457 Pirates Point Rd was $2,443 with exemptions applied, up 1.6% from the year before.

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	$2,443.00 (+1.62%) Homeowner's exemption Widower's exemption	$204,507 (+2.9%)	$493,323 (+18.82%) Land $100,000 Building $393,323
2024	$2,404.00 (-1.6%) Homeowner's exemption Widower's exemption	$198,743 (+3%)	$415,187 (+3.2%) Land $100,000 Building $315,187
2023	$2,443.00 (+10.89%) Homeowner's exemption	$192,954 (+3%)	$402,332 (+39.21%) Land $100,000 Building $302,332
2022	$2,203.00 Homeowner's exemption	$187,334	$289,014 Land $60,000 Building $229,014

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97457 Pirates Point Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 97457 Pirates Point Rd is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 75% 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 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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