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Active

Active·133 days on market

26504 Sheared Stokes Road

Hilliard, FL 32046

$599,000$129/sqftEst. $3,089/moMLS# 2136834

Beds

Baths

4,655

Sq Ft

1984

Built

Garage

Pool

About this home

Hilliard

Nestled in the heart of Hilliard, this expansive home offers privacy, space, and endless potential. With 6954 sq. ft. under roof--including 4655 sq. ft. of heated living space--it's far more than a 3-bedroom layout. Multiple oversized living areas and flex rooms make it easy to add a 4th or even 5th bedroom without compromising comfort. Whether you need guest quarters, a home office, or multi-generational space, the footprint supports it. A 4-bay carport, 2-car garage, and detached workshop add versatility. Recent updates like a new roof and fresh exterior paint enhance curb appeal. Priced to allow for personal updates, this private retreat is ready to be shaped into your ideal home. This home is listed on a seperate MLS listing to include the contiguous lot as well. MLS 2136734.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,089

Principal & Interest: $3,089

Property taxes (est.): $827

Insurance (est.): $399

Estimated Total Monthly

$4,315

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,089

Property taxesest. at asking price, Nassau County$827

Estimated total, before insurance$3,916/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,034/yr · $336/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	$592,467	$255,927	—
2024	$541,879	$248,007	—
2023	$605,548	$268,882	—
2022	$600,077	$259,594	—
2021	$498,663	$250,577	▲ $150,453
2020	$320,152	$246,427	—

2024 property taxes (current owner): $4,034/yr

Estimated taxes if purchased at asking price: ~$9,900/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 K

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

Roof: material not specified — year not disclosed (home built 1984)

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: ~1,721 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

Mar 26, 2026Listed$599,000

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

Features

Price$599,000

Price / Sq Ft$129

Bedrooms3

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,655

Total Structure Area6,954 sq ft

Acres1.83 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionFixer, Updated/Remodeled

StatusActive

# of Garages2

# of Carport Spaces4

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

School Information

ElementaryHilliard

MiddleHilliard

HighHilliard

Community Information

Address26504 Sheared Stokes Road, Hilliard, FL 32046

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

SubdivisionSection Land

CityHilliard

CountyNassau

StateFL

Zip Code32046

Lot Size79,714.8 sq ft

Parcel Number293N24202000400010

ZoningSingle Family

Amenities

UtilitiesCable Available

Water SourcePrivate, Well

ParkingAttached Carport, Garage, Garage Door Opener, Gated

Interior

Interior FeaturesCeiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Dryer, Electric Cooktop, Electric Water Heater, ENERGY STAR Qualified Refrigerator, Freezer, Gas Range, Ice Maker, Microwave, Tankless Water Heater, Washer, Water Softener Owned

HeatingElectric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Marble, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsMulti/Split

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Sink