Nassau County property record for 97536 Pirates Point Rd, Yulee, FL 32097
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,367 sqft · built 1987 |
| Lot Size | 0.906 acres (39,484 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $698,000 (Sep 2022) |
| Tax Bill | $7,972 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Sep 2025 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 43-3N-28-509D-0011-0000 |
| Primary APN | 43-3N-28-509D-0011-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,367 sqft Living Area |
| Gross Area | 3,280 sqft |
| 1st Floor Area | 2,367 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 39,484 sqft (0.906 acres) |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 913 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 793 sqft |
| Deck Area | Deck Area |
| Patio Area | 300 sqft |
| Boat Access | Boat Access |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 97536 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 11 IN OR 2593/465 PIRATES WOOD 4 UNR |
| Legal Range | 28E |
| Legal Township | 03N |
| Legal Section | 43 |
| Legal Subdivision | PIRATES WOOD |
| Legal Lot Number | 11 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | YULEE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 50308 |
Source: Nassau County records · APN 43-3N-28-509D-0011-0000
Assessment roll updated November 26, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Line of Credit VYSTAR CREDIT UNION |
| Sep 08, 2025 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Sep 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC |
| Jan 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 28, 2022 · Amount on Record |
| Deed Sale | Sep 28, 2022 · Amount on Record |
| Prior Sale | Jan 20, 2022 · Amount on Record |
| Deed Document Number | 202233186 |
| Deed Book / Page | 2593 / 465 |
| Prior Transfer Date | Sep 12, 2022 |
| Prior Transfer Doc | 0025930465 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Document Number | 0000010662 |
| Book / Page | 2860 / 368 |
| Instrument Date | Apr 06, 2026 |
| Instrument | 202610662 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010662, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 2860/368 |
| Instrument | 202610662 |
| Name | VYSTAR CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 01, 2036 |
| Rate Type | Balloon |
|---|---|
| Rate | 6% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Document Number | 0028140536 |
|---|---|
| Date | Sep 08, 2025 |
| Book Page | 2814/536 |
| Instrument | 202545027296 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Sep 28, 2022 |
| Property Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Document Number | 0025930465 |
| Book / Page | 2593 / 465 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 202245033186 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2022 |
| Title Company | NOT AVAILABLE, SEASPRAY SETTLEMENT SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,886.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1333 NEW BETHEL RD, 1333, JESUP, GA 31545-2205 |
| Name | Verified Name |
|---|---|
| Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Investor | Possibly a Property Investor |
| Document Number | 0002593467 |
|---|---|
| Date | Sep 28, 2022 |
| Instrument | 2593/467 |
| Name | CAPITAL CITY HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Jan 20, 2022 |
| Property Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Document Number | 0025311025 |
| Book / Page | 2531 / 1025 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 202245002335 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2022 |
| Title Company | WATSON TITLE SERVICES/N FL INC, WATSON TTL SVCS OF NORTH FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,445.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 184 EASY ST, 184, MURRELLS INLET, SC 29576-8732 |
| Name | Verified Name |
|---|---|
| Address | 97536 PIRATES POINT RD, YULEE, FL 32097-6534 |
| Document Number | 0025311027 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 2531/1027 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
Source: Nassau County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,972.00 (+1.21%) Homeowner's exemption | $559,680 (+2.9%) | $664,367 (+8.16%) Land $200,000 Building $464,367 |
| 2024 | $7,877.00 (-11.41%) Homeowner's exemption | $543,907 (-2.38%) | $614,259 (+10.25%) Land $170,000 Building $444,259 |
| 2023 | $8,892.00 | $557,145 (+23.37%) Land $170,000 Building $387,145 | $557,145 (+23.37%) Land $170,000 Building $387,145 |
| 2022 | Disabled Person's exemption Veteran's exemption | $451,615 Land $160,000 Building $291,615 | $451,615 Land $160,000 Building $291,615 |
Source: FEMA National Flood Hazard Layer as of January 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 57% of the US · lower than 70% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 77 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JEA: LOFTON OAKS GRID private · serves 24,318 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures