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Pending

Pending·124 days on market

17098 Cross Branch Road

Hilliard, FL 32046

$629,900$283/sqftEst. $3,353/moMLS# 2131162

Beds

Baths

2,224

Sq Ft

1996

Built

Garage

Pool

About this home

Hilliard

Sellers Relocating-Seriouse Buyers Act Now! Assumable 4.75% rate of VA quaiified buyer. Rare 5.19-Acre All-Brick Estate | Massive Shop | Future Build Potential Turn-Key Peace of Mind: 2023 hot water heater, and a 2017 HVAC. Experience the perfect blend of modern luxury and rural utility on this stunning 5.19-acre estate. This all-brick home features a fresh, contemporary interior with granite countertops, stainless steel appliances (including double ovens), and designer lighting. Every bathroom has been beautifully updated, and the wood-burning fireplace--recently cleaned and serviced--serves as the home's inviting centerpiece. Smart features abound, including a camera doorbell, smart deadbolt, and remote-access garage with 60 AMP EV charging. The Ultimate Hobbyist Setup: The property is a showstopper for professionals and hobbyists, featuring a 40x26x12 wired shop with dual 12' chain-driven roll-up doors.

Cost to own

Mortgage calculator

Home Price

$629,900

Down Payment: 20%

$125,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,182

Principal & Interest: $3,182

Est. Taxes & Insurance: $795

Estimated Total Monthly

$3,977

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$3,353

Property taxesest. at asking price, Nassau County$870

Estimated total, before insurance$4,222/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

Last sold: $539,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$474,367	$375,468	—
2024	$455,761	$168,620	—
2023	$401,284	$112,554	—
2022	$284,488	$107,819	—
2021	$221,109	$103,222	—
2020	$201,449	$101,107	—

2025 property taxes (current owner): $5,923/yr

Estimated taxes if purchased at asking price: ~$10,400/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: Shingle — year not disclosed (home built 1996)

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

Solar potential: ~1,601 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

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.

Features

Price$629,900

Price / Sq Ft$283

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,224

Total Structure Area3,304 sq ft

Acres5.18 acres

Year Built1996

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHilliard

MiddleHilliard

HighHilliard

Community Information

Address17098 Cross Branch Road, Hilliard, FL 32046

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

SubdivisionMetes & Bounds

CityHilliard

CountyNassau

StateFL

Zip Code32046

Lot Size225,640.8 sq ft

Parcel Number103N23202000180010

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAttached, Carport, Circular Driveway, Detached, Detached Carport, Electric Vehicle Charging Station(s), Garage, Garage Door Opener, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Electric Cooktop, Electric Water Heater, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LaundryElectric Dryer Hookup, In Unit, Washer Hookup