Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·214 days on market

2889 Santa Fe Trail

Hilliard, FL 32046

$535,000$274/sqftEst. $2,759/moMLS# 2096211

Beds

Baths

1,956

Sq Ft

1973

Built

—

Garage

Pool

About this home

Hilliard

Welcome to your private 10-acre retreat in peaceful Hilliard, Florida! This versatile property offers two mobile homes''one fully renovated and move-in ready, the other currently tenant-occupied for instant rental income. The land is stunning and serene, with a mix of open space and shade trees, offering endless possibilities. A huge barn/workshop provides ample room for tools, equipment, or hobbies, while an RV barn and additional garage offer ideal storage for vehicles, boats, or gear. Dog kennels are already in place for animal lovers or small business potential. About a third of the property is fenced, giving flexibility for livestock or pets. Whether you're looking for multi-generational living, income potential, a peaceful homestead, or room to expand, this property delivers. Located just minutes from the heart of Hilliard but with all the quiet and charm of country living. Don't miss this rare opportunity to own beautiful, usable land with space, privacy, and freedo

Cost to own

Mortgage calculator

Home Price

$535,000

Down Payment: 20%

$107,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,759

Principal & Interest: $2,759

Property taxes (est.): $739

Insurance (est.): $357

Estimated Total Monthly

$3,854

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$2,759

Property taxesest. at asking price, Nassau County$739

Estimated total, before insurance$3,498/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$329,156	$240,677	—
2024	$311,191	$218,797	—
2023	$305,062	$198,906	—
2022	$180,824	$180,824	—
2021	$176,059	$66,436	—
2020	$154,659	$62,388	—

Estimated taxes if purchased at asking price: ~$8,900/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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.

Roof: Metal — year not disclosed (home built 1973)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,327 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 at this property’s coordinates. 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.

History