$374,5003 bd · 2 ba · 1,341 sq ft
Active·305 days on market
28019 Bond Road
Hilliard, FL 32046
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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
HUGE PRICE IMPROVEMENT!!!!NOW COMPLETED!!!!!! Enjoy the peace and privacy of approximately 5.5 acres surrounding this beautiful new 3 bedroom 2 bath home. The property offers a natural setting with approximately 4.5 acres of wetlands, providing wildlife, natural beauty and a private wooded backdrop. The home features a kitchen that has plenty of cabinet space and stainless steel appliances! Master bedroom has a double sink, spacious walk in closet and a tile walk in shower! Garage has plenty of space to store your toys! Located minutes from the GA line and not far from the St. Mary's River. Schedule your showing today!
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.
Zone X — minimal flood hazard (the whole 5.4-acre lot)
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: Shingle — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,148 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.
Closest park or preserve
Ralph E. Simmons Memorial State Forestabout 1 mi · 13.4 mi of trails
Closest public boat ramp
Walker Landing (aka. Scott's Landing)about 1 mi · St. Marys River
Closest grocery store
Winn-Dixieabout 8 mi · 550969 US Hwy 1, Hilliard
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $66,300 | $43,805 | — |
| 2024 | $64,600 | $39,823 | — |
| 2023 | $64,600 | $36,203 | — |
| 2022 | $34,000 | $32,912 | — |
| 2021 | $30,600 | $29,920 | — |
| 2020 | $27,200 | $27,200 | — |
Estimated taxes if purchased at asking price: ~$6,200/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.
History
Price & status history
- Nov 9, 2026Price change$374,500−$300
- Oct 27, 2026Price change$374,800−$200
- Oct 12, 2026Price change$375,000−$14,500
- Oct 6, 2026Price change$389,500−$500
- Sep 12, 2026Price change$390,000−$9,000
- Sep 4, 2026Price change$399,000−$7,000
- Aug 11, 2026Price change$406,000−$4,000
- Jan 8, 2026Listed$410,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $232/sq ft; this home is listed at $279/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 29194 St Marys Circle, Hilliard, FL 32046Listed by SUMMER HOUSE REALTY | Oct 2025 | $310,000 | $205 | 3/2 | 1,512 | 2 | 0.6 |
| 28711 Tracy Road, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $259,000 | $165 | 3/2 | 1,568 | 5 | 0.9 |
| 28208 Bow Tie Alley, Hilliard, FL 32046Listed by REAL BROKER LLC | May 2026 | $377,000 | $290 | 3/1 | 1,300 | 59 | 1 |
| 29136 Pigeon Creek Road, Hilliard, FL 32046Listed by JPAR CITY AND BEACH | Sep 2026 | $209,000 | $149 | 3/2 | 1,404 | 21 | 1.6 |
| 28183 Ramble Lane, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | Apr 2026 | $294,000 | $236 | 3/2 | 1,248 | 46 | 1.8 |
| 28118 Chaparral Lane Lane, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $290,000 | $232 | 3/2 | 1,248 | 34 | 2.6 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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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Krista Fracke
Broker Associate
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