Pending·261 days on market
28175 Hammock Road
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
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
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 (that applies to the reference bill above too).
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: 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 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.
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.
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 $318/sq ft; this home is listed at $438/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 28180 Lake Hampton Road, Hilliard, FL 32046Listed by PUBLIC SERVICES REALTY | Aug 2026 | $360,000 | $181 | 4/2 | 1,994 | 59 | 0.4 |
| 29065 Yellow Oak Court, Hilliard, FL 32046Listed by CONTINENTAL REALTY OF JAX, INC | Apr 2026 | $700,000 | $318 | 3/2 | 2,200 | 139 | 0.6 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ATLANTIC SALT REALTY
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines