Active·184 days on market
30590 County Road 121
Hilliard, FL 32046
See it this week
Want to walk through this home this week?
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
Over 1,900 sq ft on 1.33 acres -- and the layout earns every foot of it. Three bedrooms, two baths, and two separate living areas, so the house flexes with you. Office, playroom, guest space, quiet room -- you decide. The kitchen has real cabinetry and room to actually cook, and a fireplace anchors the main living space. Outside, a large covered front porch under a metal roof. Slow mornings, evening quiet, and a roof you won't be thinking about for a long time. 1.33 acres in Hilliard means room for the shop, the garden, the boat -- and space between you and your neighbors. Privacy and elbow room, with a commute that still works. Located in a USDA-eligible area, so a qualified buyer may have the opportunity for zero down. Space like this is getting harder to find. Space like this, done right, is rarer still.
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: Shingle — year not disclosed (home built 1999)
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: ~1,708 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 | $235,179 | $83,511 | ▲ $17,287 |
| 2024 | $184,756 | $72,208 | — |
| 2023 | $179,854 | $73,503 | — |
| 2022 | $146,173 | $69,906 | — |
| 2021 | $140,204 | $66,414 | — |
| 2020 | $114,807 | $64,807 | — |
2025 property taxes (current owner): $1,441/yr
Estimated taxes if purchased at asking price: ~$5,800/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 17, 2026Price change$349,900−$33,100
- Apr 10, 2026Listed$383,000
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 $182/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 11098 Mulberry Landing, Hilliard, FL 32046Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Oct 2026 | $215,000 | $159 | 3/2 | 1,352 | 13 | 0.8 |
| 17200 Casa Roja Lane, Hilliard, FL 32046Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE | Jul 2026 | $610,000 | $338 | 3/2 | 1,806 | 214 | 0.9 |
| 1097 Mulberry Landing Road N, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $295,000 | $166 | 3/2 | 1,782 | 25 | 1.1 |
| 17098 Cross Branch Road, Hilliard, FL 32046Listed by REMI REALTY, LLC | Aug 2026 | $611,500 | $275 | 3/2.5 | 2,224 | 129 | 1.7 |
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: HERRON REAL ESTATE 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.
Keep looking
More homes in Metes & Bounds
For Sale817 Jackson RoadJacksonville, FL 32225
4 bd · 2 ba · 1,470 sq ft
$349,900Est. $1,862/moLOCATED IN A GREAT AREA OF TOWN AND CLOSE TO AMAZING RESTAURANTS & SHOPPING, THIS WONDERFUL NEW CONSTRUCTION HOME HAS 4…
Listing Office: residential wealth builders realty and property management
For Sale14371 Highway 301Starke, FL 32091
3 bd · 2.5 ba · 2,869 sq ft
$349,900Est. $1,862/moUnique Property with Endless Potential! This older home is ready for repairs and updating, offering a great opportunity…
Listing Office: coldwell banker smith and smith realty
For Sale4500 Marilyn CourtKeystone Heights, FL 32656
4 bd · 3 ba · 2,432 sq ft
$349,900Est. $1,862/moWelcome to 4500 Maryland Court, Keystone Heights, Florida, where spacious living meets modern comfort on a sprawling…
Listing Office: florida homes realty & mtg llc
Under Contract821 Jackson RoadJacksonville, FL 32225
4 bd · 2 ba · 1,470 sq ft
$349,900Est. $1,862/moLOCATED IN A GREAT AREA OF TOWN AND CLOSE TO AMAZING RESTAURANTS & SHOPPING, THIS WONDERFUL NEW CONSTRUCTION HOME HAS 4…
Listing Office: residential wealth builders realty and property management
Keep looking
Similar homes in Hilliard
Your Local Realtor
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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines