97471 Cutlass Way, Yulee, FL 32097 Property Records

Nassau County property record for 97471 Cutlass Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,632 sqft · built 1974
Lot Size	0.61 acres (26,587 sqft)
Owner	2 Individual Names on Record
Last Sale	$417,500 (Apr 2026)
Tax Bill	$5,556 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509C-0091-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0091-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,632 sqft Living Area
1st Floor Area	1,056 sqft
Upper Floors Area	576 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	26,587 sqft (0.61 acres)
Garage Type	Carport
Garage Area	528 sqft
Carport	Carport
Carport Area	528 sqft

Exterior Amenities

Porch	Slab
Porch Area	416 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97471 CUTLASS WAY
City	YULEE
State	FL
Zip	32097-2469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 91 IN OR 2749/1032 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	91
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

Source: Nassau County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	97471 CUTLASS WAY, YULEE, FL 32097-2469
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Apr 13, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Jun 30, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 7, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Nov 12, 2024 · Amount on Record
Deed Document Number	202610899
Deed Book / Page	2860 / 1426
Prior Transfer Date	Nov 19, 2015
Prior Transfer Doc	0020150036
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 13, 2026
Property Address	97471 CUTLASS WAY, YULEE, FL 32097-2469
Document Number	0000010899
Book / Page	2860 / 1426
Instrument Date	Apr 13, 2026
Instrument	2026.10899
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$295,172.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97471 CUTLASS WAY, YULEE, FL 32097-2469

Mortgage

Document Number	0000010900,
Date	Apr 13, 2026
Instrument	2026..10900

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 13, 2026
Property Address	97471 CUTLASS WAY, YULEE, FL 32097-2469
Document Number	0028601426
Book / Page	2860 / 1426
Instrument Date	Apr 13, 2026
Instrument	202610899
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$295,172.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97471 CUTLASS WAY, YULEE, FL 32097-2469

Mortgage

Document Number	0000010900,
Date	Apr 13, 2026
Instrument	202610900

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 30, 2023
Property Address	97471 CUTLASS WAY, YULEE, FL 32097-2469
Document Number	0026510466
Book / Page	2651 / 466
Instrument Date	Jun 29, 2023
Instrument	202345019847
Transaction Type	Transfer
Record Updated	Jul 25, 2023
Title Company	TITLE OF AMERICA LLC, TITLETOWN OF AMERICA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97471 CUTLASS WAY, YULEE, FL 32097-2469

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97471 CUTLASS WAY, YULEE, FL 32097-2469
Investor	Possibly a Property Investor

Mortgage

Document Number	0002651468
Date	Jun 30, 2023
Instrument	2651/468

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97471 CUTLASS WAY, YULEE, FL 32097-2469
Document Number	0023350298
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97471 CUTLASS WAY YULEE FL 320972469, YULEE, FL 32097-2469

Mortgage

Document Number	0023350298
Date	Jan 28, 2020
Book Page	002335/000298
Instrument	45002985

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 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	$5,556.00 (+80.39%)	$361,959 (+52.73%) Land $100,000 Building $261,959	$361,959 (+52.73%) Land $100,000 Building $261,959
2024	$3,080.00 (+18%) Homeowner's exemption	$236,986 (+99.47%) Land $100,000 Building $136,986	$236,986 (+2.76%) Land $100,000 Building $136,986
2023	$1,100.00 (-0.45%) Homeowner's exemption Disabled Person's exemption Widower's exemption	$118,807 (+3%)	$230,625 (+36.96%) Land $100,000 Building $130,625
2022	$1,105.00 Homeowner's exemption Disabled Person's exemption	$115,347	$168,392 Land $60,000 Building $108,392

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 56% of the US · lower than 71% 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 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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