97535 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97535 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,833 sqft · built 2001
Lot Size	0.631 acres (27,487 sqft)
Owner	Individual Name on File
Last Sale	$595,000 (Jun 2026)
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2023 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509B-0063-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509B-0063-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,833 sqft Living Area
Gross Area	3,673 sqft
1st Floor Area	1,973 sqft
Upper Floors Area	540 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Slate
Lot Area	27,487 sqft (0.631 acres)
Garage Type	Attached
Garage Area	840 sqft

Exterior Amenities

Pool Area	448 sqft
Porch	Florida Room
Porch Area	739 sqft
Patio Area	1,190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97535 PIRATES POINT RD
City	YULEE
State	FL
Zip	32097-6535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 63 IN OR 922/1677 PIRATES WOOD 2 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	63
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1015
Census Tract	50308

Owner

Source: Nassau County assessment roll, 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 File
Mailing Address	97535 PIRATES POINT RD, YULEE, FL 32097-6535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 12, 2023	Deed of Trust, Mortgage · Line of Credit VYSTAR CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Deed Document Number	202616854
Deed Book / Page	2873 / 29
Prior Transfer Date	Feb 29, 2000
Prior Transfer Doc	0000007588
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 4, 2026
Property Address	97535 PIRATES POINT RD, YULEE, FL 32097-6535
Document Number	0000016854
Book / Page	2873 / 29
Instrument Date	May 28, 2026
Instrument	202616854
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NASSAU BLUE OCEAN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$420,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97535 PIRATES POINT RD, YULEE, FL 32097-6535

Mortgage

Document Number	0000016855,
Date	Jun 4, 2026
Instrument	202616855

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97535 PIRATES POINT RD, YULEE, FL 32097-6535
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97535 PIRATES POINT RD, YULEE, FL 32097-6535

Mortgage

Document Number	0026730917
Date	Oct 12, 2023
Book Page	2673/917
Instrument	202345031223

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,008.00 (+2.94%) Homeowner's exemption	$236,324 (+5.99%)	$544,454 (+11.03%) Land $100,000 Building $444,454
2023	$2,922.00 Homeowner's exemption	$222,975	$490,354 Land $100,000 Building $390,354

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 57% of the US · lower than 70% 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

Nearby Properties on Pirates Point Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures