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Active

Active·12 days on market

553133 US Highway 1

Hilliard, FL 32046

$220,000Est. $1,165/moMLS# 2131628
0
Beds
0
Baths
0
Sq Ft
Built
Garage
No
Pool
FEMA Zone XNo HOA5.78 acresUnimproved Land

About this home

Hilliard

Prime NASSAU COUNTY 6-Acre Parcel with Pond on US Hwy 1 Cleared, Improved & Ready to Build! Hilliard, Florida. Open Rural (OR) ZONING! Discover the ideal setting for your dream estate or next business venture with this outstanding nearly 6-acre property located directly on US Hwy 1 in desirable Nassau County. This beautiful parcel combines the serenity of rural living with unbeatable highway visibility and access. Property Highlights: 6 Beautiful Acres -- Fully cleared and ready for your plans. Peaceful Pond -- Creates a scenic backdrop for a country lifestyle or commercial charm. Improved Lot -- Equipped with a water well and power pole. Zoning: Open Rural (OR) -- Ideal for residential, agricultural, or potential commercial use. Future Development Potential-Designated for commercial possibilities on the Future Land Use Map. Prime Location- Near the heart of Hilliard and short drive to Amelia Island, Jacksonville or Georgia.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$1,165
Property taxesest. at asking price, Nassau County$304
Estimated total, before insurance$1,469/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,930/yr · $161/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

$220,000
$44,000
Loan Term
Monthly Payment
$1,165
Principal & Interest: $1,165
Property taxes (est.): $304
Insurance (est.): $147
Estimated Total Monthly
$1,615
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 K

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

Roof: material not specified

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

Solar potential: ~1,546 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$125,732$125,732
2024$122,913$115,251
2023$122,939$104,774
2022$95,249$95,249
2021$60,832$60,628
2020$55,116$55,116

2025 property taxes (current owner): $1,930/yr

Estimated taxes if purchased at asking price: ~$3,600/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

  • Sep 10, 2026Active$220,000
  • Aug 17, 2026Pending$220,000
  • May 11, 2026Listed$220,000

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

Features

Price$220,000
Bedrooms0
Bathrooms0.00
Full Baths0
Acres5.78 acres
TypeLand
Sub-TypeUnimproved Land
StatusActive
Has PoolNo
Is WaterfrontNo

Community Information

Address553133 US Highway 1, Hilliard, FL 32046
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionMetes & Bounds
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size251,776.8 sq ft
Lot Dimensions794x388
Parcel Number314N24202000620030

Amenities

UtilitiesElectricity Available, Water Available
Water SourcePrivate, Well
ViewPond

Exterior

Lot DescriptionCleared
Road SurfaceAsphalt
Road FrontageHighway

Additional Information

Date ListedSeptember 10, 2026
Days on Market146
Tax Amount$1,930.18
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo

Listing Courtesy of: FERNANDINA BEACH REALTY · dianagray@live.com

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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