Nassau County property record for 97528 Pirates Way, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,764 sqft · built 1994 |
| Lot Size | 0.667 acres (29,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,000 (Jun 1990) |
| Tax Bill | $1,777 (2025) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 43-3N-28-509D-0056-0000 |
| Primary APN | 43-3N-28-509D-0056-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Heated Area |
| Gross Area | 3,496 sqft |
| 1st Floor Area | 644 sqft |
| Upper Floors Area | 1,120 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 29,075 sqft (0.667 acres) |
| Garage Type | Mixed |
| Garage Area | 476 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 672 sqft |
| Deck Area | 32 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 97528 PIRATES WAY |
|---|---|
| City | YULEE |
| State | FL |
| Zip | 32097-2493 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSF-1 |
| Legal Description | LOT 56 IN OR 599 PG 436 PIRATES WOOD 4 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD 4 |
| Legal Lot Number | 56 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 50308 |
97528 Pirates Way is owned and occupied by an individual who bought it in June 1990.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97528 PIRATES WAY, YULEE, FL 32097-2493 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 8, 1990 · Amount on File |
| Deed Sale | Jun 8, 1990 · Amount on File |
| Deed Document Number | 0000599436 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97528 PIRATES WAY, YULEE, FL 32097-2493 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 97528 PIRATES WAY, YULEE, FL 32097-2493 |
| Document Number | 0025850291 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 2585/291 |
| Instrument | 202245028869 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 903 Months |
| Due | Nov 18, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.71% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
The 2025 property tax bill for 97528 Pirates Way was $1,777 with a homeowner's exemption, up 1.7% from the year before.
Source: Nassau County assessment roll, as of July 1, 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 | $1,777.00 (+1.72%) Homeowner's exemption | $156,109 (+2.9%) | $500,683 (+9.64%) Land $200,000 Building $300,683 |
| 2024 | $1,747.00 (+1.93%) Homeowner's exemption | $151,709 (+3%) | $456,671 (+14.51%) Land $170,000 Building $286,671 |
| 2023 | $1,714.00 (+11.59%) Homeowner's exemption | $147,290 (+3%) | $398,791 (+28.61%) Land $170,000 Building $228,791 |
| 2022 | $1,536.00 Homeowner's exemption | $143,000 | $310,085 Land $120,000 Building $190,085 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97528 Pirates Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | 10.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 97528 Pirates Way is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 69% 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.
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 20 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 |
5G (outdoors only) and 4G LTE
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