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Pending

Pending·92 days on market

23191 County Road 121

Hilliard, FL 32046

$375,000$233/sqftEst. $1,912/moMLS# 2141930

Beds

Baths

1,612

Sq Ft

2020

Built

—

Garage

Pool

About this home

Hilliard

25K Total Price Improvement!! Come experience the perfect blend of modern comfort and rural serenity in this stunning 2020 Jacobsen Triplewide Home. It is nestled on 5 High and Dry mostly wooded acres, offering unparalleled privacy and a front-row seat to Florida's natural beauty. The Heart of the Home is designed with both luxury and functionality in mind, the interior boasts an expansive open layout perfect for entertaining. The Chef's Kitchen features a massive central island with a built-in wine rack and a unique, oversized hidden walk-in butler's pantry for ultimate organization. The home features 3 generously sized bedrooms, each equipped with its own large walk-in closet. The master bathroom feature's a large walk-in shower with a built-in seated area. The exterior of the property is a nature lover's dream, optimized for accessibility and relaxation. A large wooden handicap ramp/front porch combo and a nice wooden porch

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,912

Principal & Interest: $1,912

Property taxes (est.): $518

Insurance (est.): $250

Estimated Total Monthly

$2,680

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,912

Property taxesest. at asking price, Nassau County$518

Estimated total, before insurance$2,430/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,895/yr · $325/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	$253,703	$253,703	—
2024	$235,728	$235,728	—
2023	$227,700	$122,700	—
2022	$180,328	$165,361	—
2021	$150,328	$150,328	—
2020	$64,525	$64,525	—

2025 property taxes (current owner): $3,895/yr

Estimated taxes if purchased at asking price: ~$6,200/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: Metal — year not disclosed (home built 2020)

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

Solar potential: ~1,402 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.