97555 Pirates Way, Yulee, FL 32097 Property Records

Nassau County property record for 97555 Pirates Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,815 sqft · built 2019
Lot Size	0.578 acres (25,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,500 (May 2017)
Tax Bill	$3,580 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509C-0042-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0042-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,815 sqft Heated Area
Gross Area	3,231 sqft
1st Floor Area	1,815 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	25,199 sqft (0.578 acres)

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	1,380 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97555 PIRATES WAY
City	YULEE
State	FL
Zip	32097-2494
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 42 IN OR 2122/678 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 3
Legal Lot Number	42
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

Source: Nassau County records, as of January 26, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	97555 PIRATES WAY, YULEE, FL 32097-2494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 26, 2018	Deed of Trust, Mortgage · Commercial Mortgage SOUTHEASTERN BANK
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 25, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2017 · Amount on Record
Deed Sale	May 25, 2017 · Amount on Record
Deed Document Number	201715561
Deed Book / Page	2122 / 0678
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97555 PIRATES WAY, YULEE, FL 32097-2494
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97555 PIRATES WAY, YULEE, FL 32097-2494

Mortgage

Document Number	0028411479
Date	Jan 20, 2026
Book Page	2841/1479
Instrument	202645001581

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97555 PIRATES WAY, YULEE, FL 32097-2494
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022450944
Date	Dec 26, 2018
Book Page	2245/0944
Instrument	201845039466

Lender

Name	SOUTHEASTERN BANK
Type	Bank
Address	CALLAHAN, FL 32011

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 19, 2019

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	97555 PIRATES WAY, YULEE, FL 32097-2494
Document Number	0023291405
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97555 PIRATES WAY YULEE FL 32097, YULEE, FL 32097

Mortgage

Document Number	0023291405
Date	Jan 6, 2020
Book Page	002329/001405
Instrument	45000290

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 5, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 25, 2017
Property Address	97555 PIRATES WAY, YULEE, FL 32097-2494
Document Number	0021220678
Book / Page	002122 / 000678
Instrument Date	May 24, 2017
Instrument	15561
Transaction Type	Transfer
Record Updated	Jun 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$297.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11313 TROTTING HORSE LN S JACKSONVILLE FL 322253871, JACKSONVILLE, FL 32225-3871

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	$3,580.00 (+1.39%) Homeowner's exemption	$273,548 (+2.9%)	$546,897 (+12.23%) Land $100,000 Building $446,897
2024	$3,531.00 (+1.41%) Homeowner's exemption	$265,839 (+3%)	$487,289 (+2.76%) Land $100,000 Building $387,289
2023	$3,482.00 (+10.36%) Homeowner's exemption	$258,096 (+3%)	$474,200 (+35.96%) Land $100,000 Building $374,200
2022	$3,155.00 Homeowner's exemption	$250,579	$348,776 Land $60,000 Building $288,776

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 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 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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