$179,00010.47 acres · Unimproved Land
Active·860 days on market
Lot 3 Georgia Street
Hilliard, FL 32046

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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this lot
Hilliard
Welcome to your 10+/- acre piece of paradise! This rural gem, zoned open rural, offers endless possibilities for those seeking the tranquil beauty of the country. whether you dream of building your own farmhouse, establishing a thriving farm, or simply enjoying a recreational retreat, Lot 3 of Bay Farms has it all! Come check it out today! Offer instructions in the Document section. *ALL PARCEL BOUNDARIES ARE ESTIMATED ONLY*
Cost to own
Carrying cost
What holding this lot costs per month at the asking price. Land loans run on different terms than a home mortgage, so the payment is left out; ask for current lot-loan terms.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Mostly Zone X: 64% of this 10-acre lot is outside FEMA's high-risk flood zones
The other 36% is Zone A (36%). Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone K
Check floridadisaster.org/knowyourzone for what this designation means locally.
Krista can connect you with local insurance quotes before you make an offer.
As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Ralph E. Simmons Memorial State Forestabout 6 mi · 13.4 mi of trails
Closest public boat ramp
Walker Landing (aka. Scott's Landing)about 6 mi · St. Marys River
Closest kayak & paddleboard launch
Four Creeks State Forest – Boggy Creek Landing Canoe Accessabout 15 mi · Boggy Creek
Closest grocery store
Winn-Dixieabout 3 mi · 550969 US Hwy 1, Hilliard
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $195,000 | $195,000 | — |
| 2024 | $190,000 | $190,000 | — |
| 2023 | $190,000 | $4,100 | — |
| 2022 | $100,000 | $3,200 | — |
| 2021 | $90,000 | $3,200 | — |
| 2020 | $80,000 | $3,000 | — |
Estimated taxes if purchased at asking price: ~$3,000/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Jul 3, 2024Listed$179,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $23,256 an acre; this lot is listed at $17,096 an acre.
| Address | Closed | Price | $/acre | Acres | DOM | Miles |
|---|---|---|---|---|---|---|
| Lot 4 Georgia Street, Hilliard, FL 32046Listed by PRISTINE PROPERTIES OF FLORIDA LLC | Mar 2026 | $177,500 | $16,857 | 10.53 | 864 | 0.1 |
| 0 US Hwy 1, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $235,750 | $30,979 | 7.61 | 106 | 0.7 |
| 172811 Andrews Road, Hilliard, FL 32046Listed by PRISTINE PROPERTIES OF FLORIDA LLC | Apr 2026 | $154,275 | $20,434 | 7.55 | 470 | 1.8 |
| 172875 Andrews Road, Hilliard, FL 32046Listed by PRISTINE PROPERTIES OF FLORIDA LLC | Nov 2025 | $157,500 | $20,561 | 7.66 | 308 | 1.8 |
| 172489 Andrews Road, Hilliard, FL 32046Listed by PRISTINE PROPERTIES OF FLORIDA LLC | Mar 2026 | $150,000 | $23,256 | 6.45 | 470 | 1.9 |
| 172524 Andrews Road, Hilliard, FL 32046Listed by PRISTINE PROPERTIES OF FLORIDA LLC | Sep 2025 | $160,000 | $23,495 | 6.81 | 292 | 1.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this lot is worth; Krista runs the adjustments per lot.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PRISTINE PROPERTIES OF FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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