97485 Cutlass Way, Yulee, FL 32097 Property Records

Nassau County property record for 97485 Cutlass Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,004 sqft · built 2017
Lot Size	0.627 acres (27,345 sqft)
Owner	2 Individual Names on Record
Last Sale	$39,000 (Jun 2016)
Tax Bill	$3,116 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Apr 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`43-3N-28-509C-0089-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0089-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,004 sqft Heated Area
Gross Area	2,839 sqft
1st Floor Area	2,004 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,345 sqft (0.627 acres)
Garage Area	474 sqft
Porch	Open Porch
Porch Area	361 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97485 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 89 IN OR 2055/240 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 3
Legal Lot Number	89 90
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	97485 CUTLASS WAY, YULEE, FL 32097-2469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Apr 10, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Mar 17, 2017	Loan Modification, Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2016 · Amount on Record
Deed Sale	Jun 27, 2016 · Amount on Record
Deed Document Number	201617952
Deed Book / Page	2055 / 0240
Record Updated	Jun 8, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97485 CUTLASS WAY, YULEE, FL 32097-2469
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97485 CUTLASS WAY, YULEE, FL 32097-2469

Mortgage

Document Number	0028120882
Date	Aug 28, 2025
Book Page	2812/882
Instrument	202545026413

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 22, 2040

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97485 CUTLASS WAY, YULEE, FL 32097-2469
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97485 CUTLASS WAY, YULEE, FL 32097-2469

Mortgage

Document Number	0026301114
Date	Apr 10, 2023
Book Page	2630/1114
Instrument	202345010083

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 10, 2038

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97485 CUTLASS WAY, YULEE, FL 32097-2469
Document Number	0023450256
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Jun 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97485 CUTLASS WAY YULEE FL 320972469, YULEE, FL 32097-2469

Mortgage

Document Number	0023450256
Date	Mar 9, 2020
Book Page	002345/000256
Instrument	45007710

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2050

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	97485 CUTLASS WAY, YULEE, FL 32097-2469
Document Number	0021071403
Book / Page	002107 / 001403
Instrument Date	Mar 17, 2017
Transaction Type	Mortgage
Record Updated	Mar 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97485 CUTLASS WAY YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	0021071403
Date	Mar 20, 2017
Book Page	002107/001403
Instrument	8137

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

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	$3,116.00 (+1.43%) Homeowner's exemption	$243,361 (+2.9%)	$503,048 (+23.85%) Land $100,000 Building $403,048
2024	$3,072.00 (+1.45%) Homeowner's exemption	$236,502 (+3%)	$406,163 (+0.87%) Land $100,000 Building $306,163
2023	$3,028.00 (+10.55%) Homeowner's exemption	$229,614 (+3%)	$402,647 (+40.09%) Land $110,000 Building $292,647
2022	$2,739.00 Homeowner's exemption	$222,926	$287,413 Land $66,000 Building $221,413

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 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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