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Active

Active·44 days on market

36273 Sugar Court

Hilliard, FL 32046

$649,000$219/sqftEst. $3,454/moMLS# 2148174

Beds

Baths

2,962

Sq Ft

2022

Built

Garage

Pool

About this home

Hilliard

Welcome to Southern Pines in Hilliard, FL! This move-in ready 2022-built single-story home offers modern comfort on a private 1.61-acre homesite. Featuring 3 bedrooms, 2.5 baths, plus a front office/flex room that could easily serve as a 4th bedroom, this thoughtfully designed floor plan provides plenty of space and flexibility. The open-concept layout includes a spacious great room, well-appointed kitchen with large pantry and coffee bar, and a convenient laundry room with access from the primary suite closet. Enjoy Florida outdoor living with a covered lanai and full outdoor kitchen, perfect for entertaining family and friends. The expansive backyard provides room for a pool, boat or RV storage, and additional outdoor improvements. A 3-car garage offers ample parking and storage. Located in desirable Southern Pines, this property combines peaceful acreage living with convenient access to Jacksonville, Jacksonville International Airport, Kings Bay, & Amelia Island beaches.

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,278

Principal & Interest: $3,278

Est. Taxes & Insurance: $820

Estimated Total Monthly

$4,098

*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$3,454

Property taxesest. at asking price, Nassau County$896

HOAbilled monthly$76

Estimated total, before insurance$4,426/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: $619,900 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$524,484	$473,762	—
2024	$531,349	$531,349	—
2023	$509,390	$509,390	—
2022	$85,000	$85,000	—
2021	$11,156	$11,156	—

2025 property taxes (current owner): $7,432/yr

Estimated taxes if purchased at asking price: ~$10,800/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 K

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

Roof: material not specified — year not disclosed (home built 2022)

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

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