Nassau County property record for 97472 Pirates Point Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,207 sqft · built 2003 |
| Lot Size | 0.662 acres (28,849 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $785,000 (Apr 2025) |
| Tax Bill | $3,388 (2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Apr 2025 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 43-3N-28-509D-0015-0000 |
| Primary APN | 43-3N-28-509D-0015-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,207 sqft Living Area |
| Gross Area | 3,031 sqft |
| 1st Floor Area | 1,869 sqft |
| Upper Floors Area | 338 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 28,849 sqft (0.662 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 824 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 683 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97472 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 | LOT 15 IN OR 2780/833 PIRATES WOOD 4 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD |
| Legal Lot Number | 15 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 50308 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 97472 PIRATES POINT RD, YULEE, FL 32097-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jul 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Apr 11, 2025 | Warranty Deed, Transfer · Commercial Mortgage FIRST PORT CITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2025 · Amount on Record |
| Deed Sale | Apr 11, 2025 · Amount on Record |
| Prior Sale | Aug 30, 2002 · Amount on Record |
| Deed Document Number | 202510500 |
| Deed Book / Page | 2780 / 833 |
| Prior Transfer Date | May 6, 2020 |
| Prior Transfer Doc | 0023601756 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97472 PIRATES POINT RD, YULEE, FL 32097-1406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 97472 PIRATES POINT RD, YULEE, FL 32097-1406 |
| Document Number | 0028020027 |
|---|---|
| Date | Jul 22, 2025 |
| Book Page | 2802/27 |
| Instrument | 202545021318 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 11, 2025 |
| Property Address | 97472 PIRATES POINT RD, YULEE, FL 32097-1406 |
| Document Number | 0027800833 |
| Book / Page | 2780 / 833 |
| Instrument Date | Apr 11, 2025 |
| Instrument | 202545010500 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | LANDMARK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14161 IVYLGAIL DR N, JACKSONVILLE, FL 32225-2027 |
| Name | Verified Name |
|---|---|
| Address | 97472 PIRATES POINT RD, YULEE, FL 32097-1406 |
| Document Number | 0002780836 |
|---|---|
| Date | Apr 11, 2025 |
| Instrument | 2780/836 |
| Name | FIRST PORT CITY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Nassau County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,388.00 (+1.41%) | $261,041 (+2.9%) | $619,150 (+8.08%) Land $200,000 Building $419,150 |
| 2024 | $3,341.00 (+1.43%) Homeowner's exemption | $253,684 (+3%) | $572,866 (+19.09%) Land $170,000 Building $402,866 |
| 2023 | $3,294.00 (+10.46%) Homeowner's exemption | $246,295 (+3%) | $481,036 (+22.18%) Land $170,000 Building $311,036 |
| 2022 | $2,982.00 Homeowner's exemption | $239,121 | $393,713 Land $160,000 Building $233,713 |
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.
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 | 11.0 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 |
|
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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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