Active·260 days on market
11053 Mulberry Landing
Hilliard, FL 32046
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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
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
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.
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 homeAs 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.
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.
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.
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 $275/sq ft; this home is listed at $254/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 272344 Conner Nelson, Hilliard, FL 32046Listed by LPT REALTY LLC | Mar 2026 | $508,000 | $172 | 4/3 | 2,962 | 136 | 1.1 |
| 17098 Cross Branch Road, Hilliard, FL 32046Listed by REMI REALTY, LLC | Aug 2026 | $611,500 | $275 | 3/2.5 | 2,224 | 129 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: NAVY TO NAVY HOMES 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
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
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