Pending·345 days on market
27115 W Ninth Avenue
Hilliard, FL 32046
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Hilliard
Construction is coming along nicely for this Custom Farmhouse! Completion expected June 2026. Secure this 3-bed, 2.5-bath dream home on a .35-acre lot before it's built! Buyers who go under contract in the next two weeks can pick finishes for cabinets, countertops, flooring, and paint. This home has a split floor plan that includes a master suite with tray ceilings, a spacious walk-in closet, an en-suite bathroom with a walk-in shower, water closet, and double sinks. Each additional bedroom is equipped with individual sinks and bathroom access. The dining room also has elegant tray ceilings, and the gourmet kitchen features an island and a coffee bar, with an opening to the rear porch. The large 31' front and back porches with fans are perfect for relaxing and enjoying the outdoors. Located in a peaceful, sought-after area with top-rated schools and no HOA or CDD fees. Call or schedule to see it!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Shingle — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,604 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 homeThis 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $435,000 in July 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $43,750 | $136 | — |
| 2024 | $37,500 | $145 | — |
| 2023 | $1,700 | $1,700 | — |
| 2022 | $1,700 | $1,700 | — |
| 2021 | $1,700 | $1,513 | — |
| 2020 | $1,700 | $1,375 | — |
2024 property taxes (current owner): $2/yr
Estimated taxes if purchased at asking price: ~$7,800/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.
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 $200/sq ft; this home is listed at $258/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 27550 W First Avenue, Hilliard, FL 32046Listed by PIER 21 REALTY LLC | May 2025 | $269,000 | $200 | 3/2 | 1,344 | 197 | 0.5 |
| 361930 Pine Street, Hilliard, FL 32046Listed by JPAR CITY AND BEACH | Jul 2026 | $200,000 | $95 | 3/2 | 2,100 | 48 | 0.6 |
| 37204 W Third (Includes Adjacent Lot) Street, Hilliard, FL 32046Listed by EXP REALTY LLC | Jun 2026 | $300,000 | $178 | 3/2 | 1,690 | 47 | 0.9 |
| 37397 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Aug 2026 | $345,900 | $225 | 3/2 | 1,536 | 49 | 1.9 |
| 37127 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $363,900 | $197 | 4/2 | 1,847 | 172 | 1.9 |
| 371298 Kings Ferry Road, Hilliard, FL 32046Listed by MARK SPAIN REAL ESTATE | Jun 2026 | $739,000 | $332 | 4/2 | 2,228 | 7 | 2.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines