97604 Pirates Way, Yulee, FL 32097 Property Records

Nassau County property record for 97604 Pirates Way, Yulee, FL 32097

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,334 sqft · built 2002
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on Record
Last Sale	$534,000 (Nov 2025)
Tax Bill	$2,934 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`43-3N-28-509D-0050-0000`

Property Details

APN / Parcel Number

Primary APN	`43-3N-28-509D-0050-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,334 sqft Heated Area
Gross Area	2,714 sqft
1st Floor Area	1,384 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	56,628 sqft (1.3 acres)
Garage Area	270 sqft

Exterior Amenities

Porch	Porch
Porch Area	272 sqft
Patio Area	119 sqft
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	97604 PIRATES WAY
City	YULEE
State	FL
Zip	32097-2418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	LOT 50 & PT OF LOT 51 IN OR 1341/1350 & OR 1915/1444 PIRATES WOOD 4 UNR
Legal Range	28E
Legal Township	03N
Legal Section	43
Legal Subdivision	PIRATES WOOD 4
Legal Lot Number	50,PT
Jurisdiction	NASSAU FL
Township / Civil Division	YULEE
Census Block Group	1
Census Block	1010
Census Tract	50308

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	97604 PIRATES WAY, YULEE, FL 32097-2418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Prior Sale	May 5, 2014 · Amount on Record
Deed Document Number	0028291522
Deed Book / Page	2829 / 1522
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 18, 2025
Property Address	97604 PIRATES WAY, YULEE, FL 32097-2418
Document Number	0028291522
Book / Page	2829 / 1522
Map Reference	MB 103 PG 424
Instrument Date	Nov 18, 2025
Instrument	202545034842
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	ATLANTIC EAST TITLE, ATLANTIC COAST T&E

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,738.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3180 JUDES FERRY RD, POWHATAN, VA 23139-4500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97604 PIRATES WAY, YULEE, FL 32097-2418

Mortgage

Document Number	0028291525
Date	Nov 18, 2025
Instrument	2829/1525

Lender

Name	BMO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	SOFR Average 30-Day
Max Rate	10.2%

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	$2,934.00 (+1.52%) Homeowner's exemption Widower's exemption	$236,512 (+2.9%)	$615,159 (+11.14%) Land $336,000 Building $279,159
2024	$2,890.00 (-1.2%) Homeowner's exemption Widower's exemption	$229,846 (+3%)	$553,486 (+12.27%) Land $285,600 Building $267,886
2023	$2,925.00 (+10.63%) Homeowner's exemption	$223,151 (+3%)	$492,994 (+39.96%) Land $285,600 Building $207,394
2022	$2,644.00 Homeowner's exemption	$216,651	$352,237 Land $181,200 Building $171,037

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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	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.

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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