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Active Under Contract

Active Under Contract·82 days on market

2955 Carroll Corner Road Road

Hilliard, FL 32046

$715,000$277/sqftEst. $3,646/moMLS# 2145379

Beds

Baths

2,582

Sq Ft

2023

Built

—

Garage

Pool

About this home

Hilliard

Built in 2023 and situated on 1.53 acres, this stunning farmhouse-style home offers the perfect blend of modern design and country charm. This 4-bedroom, 3-bathroom home with an office features an open floor plan with soaring 26-foot ceilings in the living room, a beautiful fireplace, and an upstairs catwalk with decorative railing overlooking the main living area -- creating a dramatic and spacious feel throughout the home. The primary suite, office, and one additional bedroom are conveniently located downstairs, while the remaining two bedrooms are upstairs, offering privacy and functionality for families or guests. This home also includes an aerator and water softener system, along with a gas stove for those who love to cook. Outside, you'll find a fenced backyard with a gate, an attached rear carport, and plenty of outdoor space to enjoy peaceful country living. Conveniently located near A+ rated schools, this property offers both comfort and convenience with room to spread out and

Cost to own

Mortgage calculator

Home Price

$715,000

Down Payment: 20%

$143,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,646

Principal & Interest: $3,646

Property taxes (est.): $987

Insurance (est.): $477

Estimated Total Monthly

$5,109

*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$3,646

Property taxesest. at asking price, Nassau County$987

Estimated total, before insurance$4,633/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$552,314	$0	—
2024	$505,116	$0	▲ $75,693
2023	$45,900	$45,441	—
2022	$41,310	$41,310	—

Estimated taxes if purchased at asking price: ~$11,800/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.

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 2023)

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: ~1,654 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