Pending·77 days on market
18494 Broken Arrow Road
Hilliard, FL 32046
About this home
Hilliard
2.98 Acres in the country!! Welcome to Country Living in this 2006 3 Bedroom / 2 Bath Manufactured Home located on a beautiful lot with mature pecan trees that have been producing pecans every other year. This Home features a spacious 1800 sq ft with an open concept floorpan and a split bedroom design. The master suite boasts a separate shower and garden tub for relaxing. The Kitchen has plenty of counter space and cabinetry with an eat in counter bar. Bedrooms 2 and 3 are nice sizes and have walk in closets for plenty of storage. The Laundry Room provides additional storage as well. There is a Flex room that could be used for office space, formal dining, or a possible 4th Bedroom. Home does need some TLC, but has lots of potential!! Seller's are offering $$$$10K for a New Roof or Flooring allowance. The oversized back porch would be great for enjoying the country sunsets and viewing the cows that roam in the pastures next door. There was at one time two homes on this lot
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $222,612 | $52,143 | ▼ $13,167 |
| 2024 | $210,438 | $56,685 | — |
| 2023 | $206,820 | $53,008 | — |
| 2022 | $161,845 | $53,977 | — |
| 2021 | $156,021 | $50,584 | — |
| 2020 | $143,110 | $48,791 | — |
2025 property taxes (current owner): $960/yr
Estimated taxes if purchased at asking price: ~$4,300/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 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,625 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 homeAs 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
Price & status history
- Jul 10, 2026Pending$260,000
- Jun 5, 2026Listed$260,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines