97571 Pirates Way, Yulee, FL 32097 Property Records

Nassau County property record for 97571 Pirates Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,032 sqft · built 2002
Lot Size	0.557 acres (24,263 sqft)
Owner	2 Individual Names on File
Last Sale	$342,000 (Feb 2018)
Tax Bill	$3,121 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`43-3N-28-509C-0041-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509C-0041-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,032 sqft Living Area
Gross Area	2,812 sqft
1st Floor Area	2,032 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	24,263 sqft (0.557 acres)
Garage Type	Attached
Garage Area	780 sqft
Driveway	Concrete Driveway

Exterior Amenities

Pool Area	480 sqft
Porch	Enclosed/Unfinished Porch
Porch Area	584 sqft
Patio Area	386 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	97571 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 41 IN OR 2178/1047 PIRATES WOOD 3 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD
Legal Lot Number	41
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1011
Census Tract	50308

Owner

97571 Pirates Way is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	97571 PIRATES WAY, YULEE, FL 32097-2494
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2018 · Amount on File
Deed Sale	Feb 20, 2018 · Amount on File
Prior Sale	Oct 8, 2001 · Amount on File
Deed Document Number	20185353
Deed Book / Page	2178 / 1047
Prior Transfer Date	May 29, 2009
Prior Transfer Doc	0016241922
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 20, 2018
Property Address	97571 PIRATES WAY, YULEE, FL 32097-2494
Document Number	0021781047
Book / Page	002178 / 001047
Instrument Date	Feb 16, 2018
Instrument	5353
Transaction Type	Transfer
Record Updated	Aug 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,394.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	97571 PIRATES WAY YULEE FL 320972494, YULEE, FL 32097-2494

Mortgage

Document Number	21781049
Date	Feb 20, 2018
Book Page	002178/001049
Instrument	5354

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 97571 Pirates Way was $3,121 with a homeowner's exemption, up 1.4% 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	$3,121.00 (+1.43%) Homeowner's exemption	$243,691 (+2.9%)	$567,185 (+11.43%) Land $100,000 Building $467,185
2024	$3,077.00 (+1.45%) Homeowner's exemption	$236,823 (+3%)	$509,017 (+2.15%) Land $100,000 Building $409,017
2023	$3,033.00 (+10.57%) Homeowner's exemption	$229,925 (+3%)	$498,297 (+42.16%) Land $100,000 Building $398,297
2022	$2,743.00 Homeowner's exemption	$223,228	$350,516 Land $60,000 Building $290,516

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

Flood

FEMA maps place 97571 Pirates Way in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 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 97571 Pirates Way 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 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

Nearby Properties on Pirates Way

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