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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold·Closed Dec 12, 2025·111 days on market

28089 Jackson Trail

Hilliard, FL 32046

$222,000sold priceListed at $220,000 · 100.9% of asking$178/sqftMLS# 2096565
3
Beds
2
Baths
1,248
Sq Ft
2000
Built
—
Garage
No
Pool
No HOA1.01 acresManufactured Home1 story

About this home

Hilliard

This 3/2 Manufactured home has been renovated & looks brand new inside. Has new upgrade vinyl flooring throughout. A brand new HVAC will be installed prior to closing. The kitchen is roomy & has new cabinets, counter tops & appliances. The master suite has big soaking tub & separate shower plus large walk in closet. The other two BRS share a bath are on other end of home. There is a big GR & the best part of this home is the quiet private location just outside of town with a nice front porch to enjoy coffee in the morning or watch the sunsets. There is room for animals & garden. All this at a very affordable price.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,230
Property taxesest. at asking price, Nassau County$306
Estimated total, before insurance$1,536/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,339/yr · $112/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$222,000
$44,400
Loan Term
Monthly Payment
$1,230
Principal & Interest: $1,230
Property taxes (est.): $307
Insurance (est.): $148
Estimated Total Monthly
$1,684
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 2000)

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

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

Ask about this home

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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

2024 property taxes (current owner): $1,339/yr

Estimated taxes if purchased at asking price: ~$3,700/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, NEFMLS.

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 $230/sq ft; this home is listed at $176/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
28121 Jackson Trail, Hilliard, FL 32046Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$260,000$1724/21,5121080.2
28121 Jackson Trail Trail, Hilliard, FL 32046Listed by KILLEBREW AND COMPANY REALTYDec 2025$115,000$764/21,512180.2
28118 Chaparral Lane Lane, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$290,000$2323/21,248340.5
171126 Andrews Road, Hilliard, FL 32046Listed by WATSON REALTY CORPDec 2025$218,000$1653/21,320641.5
272011 Georgia Street, Hilliard, FL 32046Listed by KELLER WILLIAMS FIRST COAST REALTYOct 2026$320,000$2303/21,39241.6
28183 Ramble Lane, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLCApr 2026$294,000$2363/21,248461.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$220,000
Price / Sq Ft$176
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,248
Acres1.01 acres
Year Built2000
TypeResidential
Sub-TypeManufactured Home
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address28089 Jackson Trail, Hilliard, FL 32046
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionHilliard
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size43,995.6 sq ft
Lot Dimensions210'x210'
Parcel Number304N24000000130040

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchFront Porch
RoofMetal
Road SurfaceDirt

Additional Information

Date ListedSeptember 29, 2025
Days on Market111
Tax Amount$1,339.01
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Sold by: REAL BROKER LLC (buyer's brokerage)

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 12, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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