97552 Pirates Point Rd, Yulee, FL 32097 Property Records

Nassau County property record for 97552 Pirates Point Rd, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1997
Lot Size	0.884 acres (38,518 sqft)
Owner	Individual Name on File
Tax Bill	$4,082 (2025)
Deeds & Mortgages	Sep 2023 Second Mortgage Oct 2019 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0010-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0010-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,824 sqft Living Area
Gross Area	2,244 sqft
1st Floor Area	1,544 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	38,518 sqft (0.884 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Porch Area	320 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97552 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 10 IN OR 2240/495 PIRATES WOOD # 4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	10
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
Census Tract	50308

Owner

97552 Pirates Point Rd is owned and occupied by an individual who acquired it in November 2018.

Source: Nassau County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VYSTAR CU
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage JET HOMELOANS LLC
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage ALMA EXCHANGE BANK & TRUST
Nov 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 29, 2018
Transfer Doc	0022400470
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534

Mortgage

Document Number	0026681442
Date	Sep 21, 2023
Book Page	2668/1442
Instrument	202345028864

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023150798
Date	Oct 30, 2019
Book Page	2315/0798
Instrument	201945034821

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534

Mortgage

Document Number	0025140418
Date	Nov 16, 2021
Book Page	2514/418
Instrument	202145042624

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022500503
Date	Jan 23, 2019
Book Page	2250/0503
Instrument	201945002028

Lender

Name	ALMA EXCHANGE BANK & TRUST
Type	Bank
Address	FERNANDINA BEACH, FL 32034

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	62 Months
Due	Mar 22, 2024

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 30, 2018
Property Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534
Document Number	0022400495
Book / Page	002240 / 000495
Instrument Date	Nov 29, 2018
Instrument	45036902
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97552 PIRATES POINT RD YULEE FL 320976534, YULEE, FL 32097-6534

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 30, 2018
Property Address	97552 PIRATES POINT RD, YULEE, FL 32097-6534
Document Number	0022400470
Book / Page	002240 / 000470
Instrument Date	Nov 29, 2018
Instrument	45036892
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	97552 PIRATES POINT RD YULEE FL 320976534, YULEE, FL 32097-6534

Tax Assessment & Valuation

The 2025 property tax bill for 97552 Pirates Point Rd was $4,082 with a homeowner's exemption, up 1.3% from the year before.

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	$4,082.00 (+1.34%) Homeowner's exemption	$306,282 (+2.9%)	$504,498 (+8.87%) Land $200,000 Building $304,498
2024	$4,028.00 (+20.2%) Homeowner's exemption	$297,650 (+19.12%)	$463,378 (+22.47%) Land $170,000 Building $293,378
2023	$3,351.00 (+10.41%) Homeowner's exemption	$249,865 (+3%)	$378,362 (+19.21%) Land $170,000 Building $208,362
2022	$3,035.00 Homeowner's exemption	$242,587	$317,379 Land $160,000 Building $157,379

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 97552 Pirates Point Rd 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	11.0 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	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

Wildfire risk around 97552 Pirates Point Rd 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 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

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