97479 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97479 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,330 sqft · built 1998
Lot Size	0.617 acres (26,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,900 (Jun 2015)
Tax Bill	$2,658 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509C-0017-0000`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,330 sqft Heated Area
Gross Area	3,260 sqft
1st Floor Area	2,330 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Exterior Material	Concrete
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,907 sqft (0.617 acres)
Garage Area	561 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	369 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97479 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 17 IN OR 1983/1981 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 3
Legal Lot Number	17
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

Source: Nassau County records, as of January 26, 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	97479 PIRATES POINT RD, YULEE, FL 32097-1407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 22, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 30, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2015 · Amount on Record
Deed Sale	Jun 5, 2015 · Amount on Record
Prior Sale	Jun 5, 2015
Deed Document Number	201516194
Deed Book / Page	1983 / 1981
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97479 PIRATES POINT RD, YULEE, FL 32097-1407
Transaction Type	Mortgage
Record Updated	May 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97479 PIRATES POINT RD, YULEE, FL 32097-1407

Mortgage

Document Number	0027050377
Date	Apr 10, 2024
Book Page	2705/377
Instrument	202445009792

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2064

Interest

Change Frequency	Monthly

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97479 PIRATES POINT RD, YULEE, FL 32097-1407
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97479 PIRATES POINT RD, YULEE, FL 32097-1407

Mortgage

Document Number	0026201786
Date	Feb 22, 2023
Book Page	2620/1786
Instrument	202345005273

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Mar 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97479 PIRATES POINT RD, YULEE, FL 32097-1407
Document Number	0023321948
Instrument Date	Dec 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97479 PIRATES POINT RD YULEE FL 320971407, YULEE, FL 32097-1407

Mortgage

Document Number	0023321948
Date	Jan 21, 2020
Book Page	002332/001948
Instrument	45002046

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 20, 2060

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$2,658.00 (+1.49%) Homeowner's exemption	$213,534 (+2.9%)	$427,785 (+7.92%) Land $100,000 Building $327,785
2024	$2,619.00 (+1.55%) Homeowner's exemption	$207,516 (+3%)	$396,388 (+3.35%) Land $100,000 Building $296,388
2023	$2,579.00 (+10.78%) Homeowner's exemption	$201,472 (+3%)	$383,527 (+39.73%) Land $100,000 Building $283,527
2022	$2,328.00 Homeowner's exemption	$195,604	$274,475 Land $60,000 Building $214,475

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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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