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97524 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97524 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,201 sqft · built 1976
Lot Size0.806 acres (35,110 sqft)
OwnerIndividual Name on Record
Last Sale$89,100 (Nov 2013)
Tax Bill$4,440 (2025)
Deeds & MortgagesJan 2018 Loan Modification
Flood ZoneZone AE (high risk)
APN43-3N-28-509D-0012-0000

Property Details

APN / Parcel Number

Primary APN43-3N-28-509D-0012-0000

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,201 sqft Living Area
Gross Area1,579 sqft
1st Floor Area729 sqft
Upper Floors Area472 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1980
Exterior MaterialWood
Construction TypeWood
Roof TypeCathedral/Clerestory
Roof MaterialMetal
Lot Area35,110 sqft (0.806 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area378 sqft

Exterior Amenities

PorchPatio
Porch Area128 sqft
Deck AreaDeck Area
Patio Area329 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address97524 PIRATES POINT RD
CityYULEE
StateFL
Zip32097-6534
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-1
Legal DescriptionLOT 12 IN OR 1887/879 PIRATES WOOD # 4 UNR
Legal Range28E
Legal Township03N
Legal Section43
Legal SubdivisionPIRATES WOOD
Legal Lot Number12
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1010
Census Tract50308

Owner

Source: Nassau County records, as of July 22, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address97524 PIRATES POINT RD, YULEE, FL 32097-6534
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 1, 2013 · Amount on Record
Deed SaleNov 1, 2013 · Amount on Record
Prior SaleJul 24, 2000 · Amount on Record
Deed Document Number201330607
Deed Book / Page1887 / 879
Record UpdatedOct 29, 2026

January 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionNASSAU FL
Property Address97524 PIRATES POINT RD, YULEE, FL 32097-6534
Document Number0021741829
Book / Page002174 / 001829
Instrument DateJan 15, 2018
Transaction TypeMortgage
Record UpdatedFeb 8, 2018
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address24 SAPALO DR ST MARYS GA 315583716, ST MARYS, GA 31558-3716

Mortgage

Document Number0021741829
DateFeb 2, 2018
Book Page002174/001829
Instrument3562
Lender
NameSTEVEN R HELLER
Address2061 OAK MARSH DR, FERNANDINA BEACH, FL 32034-2462
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term24 Months
DueFeb 1, 2020

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,440.00 (+1.32%) Homeowner's exemption$329,600 (+2.9%)$399,082 (+11.1%) Land $200,000 Building $199,082
2024$4,382.00 (+1.29%) Homeowner's exemption$320,311 (+3%)$359,222 (+15.51%) Land $170,000 Building $189,222
2023$4,326.00 (+12.57%) Homeowner's exemption$310,982 (+11.99%) Land $170,000 Building $140,982$310,982 (+11.99%) Land $170,000 Building $140,982
2022$3,843.00$277,697 Land $160,000 Building $117,697$277,697 Land $160,000 Building $117,697

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation11.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 475 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies475 in force
Nearby Flood Claims25 (2016–2024)
Claims Outside the SFHA4 of 25
Most Recent ClaimSep 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 RiskModerate
above 57% of the US · lower than 70% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemJEA: LOFTON OAKS GRID
private · serves 24,318 people · EPA ID FL2454338
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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