97459 Chester River Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97459 Chester River Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1970
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$286,800 (Apr 2024)
Tax Bill	$3,037 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`42-3N-28-0000-0021-0000`

Property Details

APN / Parcel Number

Primary APN	`42-3N-28-0000-0021-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Heated Area
Gross Area	2,069 sqft
1st Floor Area	1,344 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	295 sqft
Patio Area	430 sqft
Shed	1 Shed
Shed Area	144 sqft
Pole Barn	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97459 CHESTER RIVER RD
City	YULEE
State	FL
Zip	32097-4982
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	PT JOHN LOWE GRANT SEC 42-3N-28E IN OR 2704/168 (EX ESMT OR 616/1059)
Legal Range	28E
Legal Township	03N
Legal Section	42
Legal Subdivision	JOHNSON LAKE ESTATES UN 02
Legal Lot Number	29
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	3
Census Block	3001
Census Tract	50306

Owner

97459 Chester River Rd is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	97459 CHESTER RIVER RD, YULEE, FL 32097-4982
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 4, 2024	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Sep 25, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2024 · Amount on File
Deed Sale	Apr 4, 2024 · Amount on File
Prior Sale	Jul 13, 2015 · Amount on File
Deed Document Number	202445009158
Deed Book / Page	2704 / 168
Record Updated	Jun 8, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 4, 2024
Property Address	97459 CHESTER RIVER RD, YULEE, FL 32097-4982
Document Number	0027040168
Book / Page	2704 / 168
Map Reference	MB 172 PG 493
Instrument Date	Mar 26, 2024
Instrument	202445009158
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	LANDMARK TITLE, LANDMARK TITLE LLC

Transaction

Amount	Amount on Record
Tax	$2,007.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9311 LEM TURNER RD, JACKSONVILLE, FL 32208-2274

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97459 CHESTER RIVER RD, YULEE, FL 32097-4982

Mortgage

Document Number	202445009159
Date	Apr 4, 2024
Instrument	202445009159

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Mortgage

Document Number	0027040170
Date	Apr 4, 2024
Book Page	2704/170
Instrument	202445009159

Lender

Name	GATEWAY FIRST BANK
Type	Bank
Address	244 S GATEWAY PL, JENKS, OK 74037

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97459 CHESTER RIVER RD, YULEE, FL 32097-4982
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97459 CHESTER RIVER RD, YULEE, FL 32097-4982

Mortgage

Document Number	0026690691
Date	Sep 25, 2023
Book Page	2669/691
Instrument	202345029147

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 97459 Chester River Rd was $3,037 with a homeowner's exemption, up 140.5% from the year before.

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	$3,037.00 (+140.46%) Homeowner's exemption	$238,189 (+97.27%) Land $85,000 Building $153,189	$238,189 (+2.17%) Land $85,000 Building $153,189
2024	$1,263.00 (+2.35%) Homeowner's exemption	$120,745 (+3%)	$233,119 (+2.96%) Land $80,000 Building $153,119
2023	$1,234.00 (+12.49%) Homeowner's exemption	$117,228 (+3%)	$226,424 (+22.47%) Land $80,000 Building $146,424
2022	$1,097.00 Homeowner's exemption	$113,814	$184,887 Land $60,000 Building $124,887

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 97459 Chester River Rd in Zone X, an area of minimal flood risk.

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 File median of 61 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	61 in force

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 97459 Chester River Rd is moderate, ranking above 52% 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 52% of the US · lower than 76% 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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