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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Aug 3, 2026·129 days on market

17098 Cross Branch Road

Hilliard, FL 32046

$611,500sold priceListed at $629,900 · 97.1% of asking$275/sqftMLS# 2131162
3
Beds
2.5
Baths
2,224
Sq Ft
1996
Built
2
Garage
No
Pool
No HOA5.18 acresSingle Family Residence1 story

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,387
Property taxesest. at asking price, Nassau County$844
Estimated total, before insurance$4,231/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,923/yr · $494/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$611,500
$122,300
Loan Term
Monthly Payment
$3,387
Principal & Interest: $3,387
Property taxes (est.): $844
Insurance (est.): $408
Estimated Total Monthly
$4,639
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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

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

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

YearMarket valueTaxable valueChange
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: ~$10,100/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.

History

Price & status history

  • Aug 3, 2026Closed$629,900

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 $338/sq ft; this home is listed at $283/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
17200 Casa Roja Lane, Hilliard, FL 32046Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJul 2026$610,000$3383/21,8062142
1097 Mulberry Landing Road N, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$295,000$1663/21,782252.3

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

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
StatusClosed
# of Garages2
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryHilliard
MiddleHilliard

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

Exterior

Lot DescriptionCleared
Patio / PorchFront Porch, Patio, Rear Porch
FencingFenced, Back Yard, Cross Fenced, Full, Wire
RoofShingle
ConstructionBrick
Other StructuresBarn(s), Greenhouse, Shed(s), Workshop
Road SurfaceDirt, Gravel

Additional Information

Date ListedMarch 13, 2026
Days on Market129
Tax Amount$5,923.32
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REMI REALTY, 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ 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.

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