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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

Sold·Closed Dec 18, 2025·6 days on market

171397 Andrews Road

Hilliard, FL 32046

$367,500sold priceListed at $364,900 · 100.7% of asking$224/sqftMLS# 2116608
3
Beds
2
Baths
1,644
Sq Ft
2005
Built
2
Garage
No
Pool
No HOA1.00 acresSingle Family Residence1 story

About this home

Hilliard

Escape to the country and embrace peaceful living in beautiful Hilliard, Florida! This charming 3-bedroom, 2-bath brick home sits on a full acre, offering plenty of room to relax, garden, or simply enjoy the Florida sunshine. Step inside to a spacious layout featuring a large kitchen, formal dining room, and inviting living room with a stylish accent wall. Recent updates include new HVAC, luxury vinyl plank flooring, refreshed bathrooms, modern light fixtures, blinds, door hardware, and a brand-new well pump and bladder. The home also boasts a convenient side-entry garage and a 50-amp RV hook-up—perfect for your outdoor adventures! Ideally located near the Florida/Georgia state line, just an hour to Brunswick, GA, and 30-45 minutes to Jacksonville or Fernandina Beach, you'll enjoy an easy commute to work, shopping, dining, beaches, and entertainment. Experience the perfect blend of country charm and modern comfort!

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$2,036
Property taxesest. at asking price, Nassau County$507
Estimated total, before insurance$2,543/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,121/yr · $343/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

$367,500
$73,500
Loan Term
Monthly Payment
$2,036
Principal & Interest: $2,036
Property taxes (est.): $507
Insurance (est.): $245
Estimated Total Monthly
$2,788
*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: Shingle — year not disclosed (home built 2005)

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

Solar potential: ~1,758 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

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): $4,121/yr

Estimated taxes if purchased at asking price: ~$6,100/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 $178/sq ft; this home is listed at $222/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
27359 Geiger Road, Hilliard, FL 32046Listed by CORE REALTY, LLCJul 2025$675,000$3453/21,957330.1
171133 Andrews Road, Hilliard, FL 32046Listed by MOMENTUM REALTYMar 2026$312,000$1754/21,78280.3
171126 Andrews Road, Hilliard, FL 32046Listed by WATSON REALTY CORPDec 2025$218,000$1653/21,320640.3
171007 Andrews Road, Hilliard, FL 32046Listed by EXP REALTY LLCDec 2025$130,000$902/21,440160.4
171051 Andrews Road, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLCAug 2025$300,000$2023/21,4821520.4
28089 Jackson Trail, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLCDec 2025$222,000$1783/21,2481111.2

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

Price$364,900
Price / Sq Ft$222
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,644
Acres1.00 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address171397 Andrews Road, Hilliard, FL 32046
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionMetes & Bounds
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size43,560 sq ft
Parcel Number254N23202000160040

Amenities

UtilitiesElectricity Connected
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Garage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringLaminate
# of Stories1
LevelsOne

Exterior

Exterior FeaturesFire Pit
Lot DescriptionCleared
Patio / PorchPatio
RoofShingle
ConstructionBrick Veneer, Frame

Additional Information

Date ListedNovember 6, 2025
Days on Market6
Tax Amount$4,120.66
Tax Year2024
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Sold by: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY (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 18, 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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