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Active

Active·55 days on market

261121 Rowe Road

Hilliard, FL 32046

$485,000Est. $2,581/moMLS# 2146554

Beds

Baths

Sq Ft

2026

Built

Garage

Pool

About this home

Hilliard

Welcome to this beautifully crafted new construction home nestled on a spacious estate-sized lot (1.65 acres) in the peaceful countryside of Hilliard. Offering the perfect blend of privacy, luxury, and small-town charm, this exceptional property provides room to spread out while still being conveniently located within driving distance of Jacksonville and Fernandina Beach. This thoughtfully designed residence features an open-concept floor plan with high ceilings, abundant natural light, and upscale finishes throughout. The gourmet kitchen is equipped with custom cabinetry (with soft-close cabinets and drawers), quartz countertops, stainless steel appliances, and an oversized island ideal for entertaining. The entire home features LVP flooring giving a sophisticated look and easy maintenance. The spacious primary suite offers a spa-inspired bathroom with walk-in shower featuring beautiful custom tile and walk-in closet. All bathrooms feature quartz countertops.

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,450

Principal & Interest: $2,450

Est. Taxes & Insurance: $612

Estimated Total Monthly

$3,062

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,581

Property taxesest. at asking price, Nassau County$670

HOAbilled annually$8

Estimated total, before insurance$3,259/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Last sold: $180,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$42,000	$42,000	—
2024	$45,000	$45,000	—
2023	$667	$667	—

2025 property taxes (current owner): $645/yr

Estimated taxes if purchased at asking price: ~$8,000/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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,622 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History