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Active

Active·213 days on market

11053 Mulberry Landing

Hilliard, FL 32046

$724,900$254/sqftEst. $3,727/moMLS# 2127087

Beds

Baths

2,859.5

Sq Ft

1986

Built

Garage

Pool

About this home

Hilliard

Welcome to 11053 Mulberry Landing Annex in Hilliard, a truly one-of-a-kind property offering unmatched versatility, space, and functionality—ideal for multigenerational living, hobbyists, small business owners, or anyone seeking room to live, work, and entertain. The main residence offers approximately 2,860 square feet of thoughtfully designed living space featuring 4 bedrooms and 3 full bathrooms, a full kitchen, and an interior laundry room. Anchoring the main living area is an oversized river rock fireplace, creating a striking focal point and a warm, inviting atmosphere. The home also features a custom river rock waterfall in the florida room and a jacuzzi, delivering a spa-like retreat right inside the home. Attached to the main home by the carport is a separate additional living unit totaling approximately 588 square feet, complete with 1 bedroom, 1 full bathroom, its own kitchen, and laundry—ideal for extended family, guests, rental income, or a private in-law suite.

Cost to own

Mortgage calculator

Home Price

$724,900

Down Payment: 20%

$144,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,727

Principal & Interest: $3,727

Property taxes (est.): $1,001

Insurance (est.): $483

Estimated Total Monthly

$5,211

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$3,727

Property taxesest. at asking price, Nassau County$1,001

Estimated total, before insurance$4,727/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,033/yr · $253/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$372,744	$187,163	—
2024	$359,318	$181,181	—
2023	$348,938	$174,448	—
2022	$297,280	$167,911	—
2021	$226,675	$161,564	—
2020	$208,643	$158,643	—

2025 property taxes (current owner): $3,033/yr

Estimated taxes if purchased at asking price: ~$12,000/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.

Zone X — minimal flood hazard

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 J

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Metal — year not disclosed (home built 1986)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,613 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

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 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.

History

Price & status history

Jul 30, 2026Price change$724,900−$20,000
Jul 19, 2026Price change$744,900−$30,000
Jan 27, 2026Listed$774,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$724,900

Price / Sq Ft$254

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,859.5

Total Structure Area10,408 sq ft

Acres5.11 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages4

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Community Information

Address11053 Mulberry Landing, Hilliard, FL 32046

Area492-Nassau County-W Of I-95/N To State Line

SubdivisionMetes & Bounds

CityHilliard

CountyNassau

StateFL

Zip Code32046

Lot Size222,591.6 sq ft

Parcel Number373N23000000010280

Amenities

UtilitiesCable Connected, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Attached, Attached Carport, Carport, Covered, Detached, Garage, RV Access/Parking

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Window FeaturesSkylight(s)