97502 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97502 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 2012
Lot Size	0.802 acres (34,937 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jul 2021)
Tax Bill	$6,055 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2020 Transfer
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0013-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0013-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,731 sqft
1st Floor Area	1,832 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	34,937 sqft (0.802 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	619 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	345 sqft
Deck Area	Deck Area
Patio Area	613 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97502 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-6534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 13 IN OR 2752/641 PIRATES WOOD #4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	13
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
Census Tract	50308

Owner

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	Individual Name on Record
Mailing Address	97502 PIRATES POINT RD, YULEE, FL 32097-6534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 31, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on Record
Deed Sale	Jul 9, 2021 · Amount on Record
Prior Sale	Aug 2, 2011 · Amount on Record
Deed Document Number	202145025763
Deed Book / Page	2478 / 649
Last Transfer Date	Nov 22, 2024
Transfer Doc	0027520641
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 9, 2021
Property Address	97502 PIRATES POINT RD, YULEE, FL 32097-6534
Document Number	0024780649
Book / Page	2478 / 649
Instrument Date	Jul 9, 2021
Instrument	202145025763
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	PRO TECH TITLE & TRUST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2945 WINCHESTER RD, 2945, XENIA, OH 45385-9721

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	97502 PIRATES POINT RD, YULEE, FL 32097-6534

Mortgage

Document Number	2478651
Date	Jul 9, 2021
Instrument	2478/651

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 31, 2020
Property Address	97502 PIRATES POINT RD, YULEE, FL 32097-6534
Document Number	0023801032
Book / Page	002380 / 001032
Instrument Date	Mar 25, 2020
Instrument	45023723
Transaction Type	Transfer
Record Updated	Aug 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97502 PIRATES POINT RD YULEE FL 320976534, YULEE, FL 32097-6534

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	$6,055.00 (+2.63%)	$434,805 (+4.16%)	$652,669 (+8.63%) Land $200,000 Building $452,669
2024	$5,900.00 (+1.18%) Homeowner's exemption	$417,430 (+3%)	$600,818 (+14.98%) Land $170,000 Building $430,818
2023	$5,831.00 (+9.92%) Homeowner's exemption	$405,272 (+3%)	$522,548 (+24.02%) Land $170,000 Building $352,548
2022	$5,305.00 Homeowner's exemption	$393,468	$421,352 Land $160,000 Building $261,352

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 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	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	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.

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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