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Active

Active·5 days on market

6195 River Road

Hilliard, FL 32046

$550,000$241/sqftEst. $2,796/moMLS# 2150827

Beds

Baths

2,280

Sq Ft

2023

Built

—

Garage

Pool

About this home

Hilliard

Experience the best of country living on 10.6 beautiful acres in Hilliard. The best of quiet country living just 7.5 miles outside of Callahan and only minutes from local school and the Callahan Sports Complex. This spacious 2,280 sq. ft. home offers 4 bedrooms, 2 bathrooms, and an open-concept floor plan designed for comfortable living and entertaining. The property features a pond, fenced pasture ready for cattle or horses, and a massive 50' x 30' steel building with a 15-foot covered overhang porch-perfect for equipment storage, a workshop, entertaining, or agricultural use. Separate power pole is ready for electric. A 3-car carport provides additional covered parking. Enjoy endless opportunities for farming, fishing, recreation, gardening, or creating your ideal homestead. With plenty of room for livestock, toys, and outdoor activities, this move-in-ready property combines modern amenities with the privacy and freedom of rural living, all conveniently located close to town.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,796

Principal & Interest: $2,796

Est. Taxes & Insurance: $699

Estimated Total Monthly

$3,494

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,796

Property taxesest. at asking price, Nassau County$759

Estimated total, before insurance$3,555/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: $120,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$452,688	$387,097	—
2024	$415,568	$365,568	—
2023	$225,019	$225,019	—
2022	$100,000	$6,300	—
2021	$90,000	$6,300	—
2020	$80,000	$6,200	—

Estimated taxes if purchased at asking price: ~$9,100/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 2023)

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

Solar potential: ~1,712 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