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Pending

Pending·171 days on market

28175 Hammock Road

Hilliard, FL 32046

$1,090,000$438/sqftEst. $5,801/moMLS# 2127035

Beds

Baths

2,489

Sq Ft

1970

Built

Garage

Yes

Pool

About this home

Hilliard

RURAL WATERFRONT ESCAPE - Discover the perfect blend of privacy, space, and waterfront living with this exceptional rural riverfront estate, located at the end of a private drive. Set on 5.66 high and dry acres, this secluded retreat offers approximately 240' of deep water frontage along the scenic St. Mary's River, with excellent potential for a future private boat dock and easy access for boating and fishing. This recently updated 3 BR, 2.5 BA ranch style home features new LVP flooring throughout and 2 separate living areas, each with its own fireplace. Inside, enjoy beautiful exposed wood beams and custom built-in glass displays, adding warmth and character. Solid wood cabinetry, spacious laundry room and butler's pantry enhance the home's functionality. Additional highlights include a 2-car attached garage, small workshop, unfinished guest apartment, and an in-ground pool.

Cost to own

Mortgage calculator

Home Price

$1,090,000

Down Payment: 20%

$218,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,540

Principal & Interest: $5,540

Est. Taxes & Insurance: $1,385

Estimated Total Monthly

$6,925

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$5,801

Property taxesest. at asking price, Nassau County$1,505

Estimated total, before insurance$7,306/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$694,485	$155,766	—
2024	$658,106	$151,154	—
2023	$648,277	$145,273	—
2022	$456,740	$142,582	—
2021	$384,981	$137,120	—
2020	$347,845	$134,258	—

2025 property taxes (current owner): $2,551/yr

Estimated taxes if purchased at asking price: ~$18,100/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 (2025), NEFMLS.

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, Shingle — year not disclosed (home built 1970)

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

Solar potential: ~1,424 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.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.