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

This home is in Jacksonville — a waterfront home in Jacksonville.

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Active

Active·348 days on market

0 Hillwood Road

Jacksonville, FL 32223

$198,000Est. $1,010/moMLS# 2104280

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Jacksonville

WATERFRONT LAND | NO HOA | DEEP NAVIGABLE TIDAL CANAL TO JULINGTON CREEK Waterfront vacant land in the Mandarin area of Jacksonville with canal frontage connecting directly to Julington Creek and St. Johns River. Lot Dimensions: 100' Frontage x 320' Depth Total Size: 0.74 Acres | High and Dry Mostly cleared waterfront land zoned for residential construction, including custom or modular homes. Located near the end of a cul-de-sac, the property offers a more private setting with limited through traffic while remaining conveniently positioned within the Mandarin area. The generous 320-foot lot depth provides substantial space for residential construction along with the potential for a private dock with direct access to waterways for boating, kayaking, paddle-boarding, and other water activities.

Cost to own

Mortgage calculator

Home Price

$198,000

Down Payment: 20%

$39,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,010

Principal & Interest: $1,010

Property taxes (est.): $323

Insurance (est.): $132

Estimated Total Monthly

$1,465

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,010

Property taxesest. at asking price, Duval County$323

Estimated total, before insurance$1,333/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,042/yr · $254/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).

Cost to own

Taxes & assessment

Last sold: $210,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$235,800	$187,330	—
2024	$170,300	$170,300	—
2023	$108,566	$108,566	—
2022	$108,566	$107,174	—
2021	$97,431	$97,431	—
2020	$97,431	$97,431	—

2024 property taxes (current owner): $3,042/yr

Estimated taxes if purchased at asking price: ~$3,900/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 3,305 current Duval 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

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

Septic system (public record) · Public water (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: ~1,655 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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