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Active Under Contract

Active Under Contract·79 days on market

36004 Pitch Lane

Hilliard, FL 32046

$574,000$221/sqftEst. $2,951/moMLS# 2150210

Beds

Baths

2,600

Sq Ft

2024

Built

Garage

Pool

About this home

Hilliard

Welcome to Southern Pines! This beautifully maintained 4-bedroom, 2-bathroom home sits on a spacious 1-acre lot and offers approximately 2,600 square feet of comfortable living space. Light, bright, and inviting, the home features a modern chef's kitchen with abundant cabinetry, quartz countertops, a farmhouse sink, and all kitchen appliances included. The expansive family room boasts soaring ceilings, creating an open and airy atmosphere perfect for gathering and entertaining. Retreat to the oversized primary suite, complete with a large walk-in closet, dual-sink vanity, and a luxurious seamless glass shower.Luxury vinyl plank flooring flows throughout the main living areas, combining style and durability. Outside, the summer kitchen area is ready for your personal vision and outdoor entertaining dreams.

Cost to own

Mortgage calculator

Home Price

$574,000

Down Payment: 20%

$114,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,951

Principal & Interest: $2,951

Property taxes (est.): $792

Insurance (est.): $383

Estimated Total Monthly

$4,126

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,951

Property taxesest. at asking price, Nassau County$792

HOAbilled annually$76

Estimated total, before insurance$3,819/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	$465,776	$465,776	—
2024	$60,000	$60,000	—
2023	$60,000	$60,000	—
2022	$85,000	$85,000	—
2021	$11,156	$11,156	—

Estimated taxes if purchased at asking price: ~$9,500/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 2024)

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

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