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97540 Pirates Way, Yulee, FL 32097 Property Records

Nassau County property record for 97540 Pirates Way, Yulee, FL 32097

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,985 sqft · built 1973
Lot Size0.689 acres (30,019 sqft)
Owner2 Individual Names on Record
Last Sale$417,500 (Oct 2021)
Tax Bill$6,900 (2025)
Deeds & MortgagesOct 2021 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN43-3N-28-509D-0055-0000

Property Details

APN / Parcel Number

Primary APN43-3N-28-509D-0055-0000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms1 Room
Stories2 Stories
Building Area1,985 sqft Living Area
Gross Area2,585 sqft
1st Floor Area1,985 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1995
Exterior MaterialWood
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area30,019 sqft (0.689 acres)
View / LotWaterfront
Garage TypeAttached
Garage Area600 sqft

Exterior Amenities

Pool Area462 sqft
PorchUnfinished Open Porch
Porch Area628 sqft
Deck Area564 sqft
Patio Area996 sqft
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address97540 PIRATES WAY
CityYULEE
StateFL
Zip32097-2493
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRSF-1
Legal DescriptionLOT 55 PIRATES WOOD # 4 UNR
Legal Range28E
Legal Township03N
Legal Section43
Legal SubdivisionPIRATES WOOD UN 4
Legal Lot Number55
JurisdictionNASSAU FL
Township / Civil DivisionYULEE
Census Block Group1
Census Block1010
Census Tract50308

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 Record2 Individual Names on Record
Mailing Address97540 PIRATES WAY, YULEE, FL 32097-2493
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 7, 2021 · Amount on Record
Deed SaleOct 7, 2021 · Amount on Record
Deed Document Number202145037575
Deed Book / Page2503 / 907
Prior Transfer DateJun 3, 2008
Prior Transfer Doc0015700288
Record UpdatedJun 8, 2026

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionNASSAU FL
Recording DateOct 7, 2021
Property Address97540 PIRATES WAY, YULEE, FL 32097-2493
Document Number0025030907
Book / Page2503 / 907
Map ReferenceVOL 103 PG 424
Instrument DateOct 4, 2021
Instrument202145037575
Transaction TypeTransfer
Record UpdatedNov 3, 2021
Title CompanyGUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,922.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address97200 CUTLASS WAY, 97200, YULEE, FL 32097-2465

Transferred To (Grantee/Buyer)

NameVerified Name
Address97540 PIRATES WAY, YULEE, FL 32097-2493

Mortgage

Document Number2503908
DateOct 7, 2021
Instrument2503/908
Lender
NameREGIONS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051

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$6,900.00 (+1.23%) Homeowner's exemption$489,865 (+2.9%)$542,231 (+8.11%) Land $200,000 Building $342,231
2024$6,816.00 (+1.13%) Homeowner's exemption$476,059 (+3%)$501,547 (+8.51%) Land $170,000 Building $331,547
2023$6,740.00 (+31.95%) Homeowner's exemption$462,193 (+36.13%) Land $170,000 Building $292,193$462,193 (+36.13%) Land $170,000 Building $292,193
2022$5,108.00$339,524 Land $120,000 Building $219,524$339,524 Land $120,000 Building $219,524

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 Elevation10.0 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 69% 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 20 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

Cell Coverage

5G (outdoors only) and 4G LTE

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