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Active

Active·52 days on market

28180 Lake Hampton Road

Hilliard, FL 32046

$375,000$188/sqftEst. $1,912/moMLS# 2148552

Beds

Baths

1,994

Sq Ft

1942

Built

—

Garage

Pool

About this home

Hilliard

Charming country home on 1.06 acres in Hilliard! This beautifully renovated 4-bedroom, 2-bath home offers the perfect blend of modern upgrades and peaceful rural living. Major improvements include a new roof, HVAC system, water heater, well, complete replumbing, and rewiring, all completed in 2019, providing peace of mind for years to come. Inside, you'll find updated finishes, comfortable living spaces, and a functional floor plan designed for everyday living. Outside, the expansive property offers plenty of room for outdoor activities, gardening, RV or boat storage, and future possibilities. A storage shed provides additional space for tools and equipment. Located near the scenic St. Marys River, this property offers easy access to fishing, boating, kayaking, and other outdoor recreation while maintaining privacy and tranquility. Whether you're looking for a primary residence or a quiet retreat from the city, this home is a must-see. Schedule your showing today!

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$1,355/yr · $113/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	$266,425	$77,877	—
2024	$180,757	$74,975	—
2023	$184,338	$79,110	—
2022	$168,492	$75,350	—
2021	$133,445	$71,699	—
2020	$122,292	$122,292	—

2025 property taxes (current owner): $1,355/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.

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 I

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

Roof: Shingle — year not disclosed (home built 1942)

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: ~1,628 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