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Active

Active·38 days on market

37153 S Pine Street

Hilliard, FL 32046

$650,000$262/sqftEst. $3,314/moMLS# 2151214

Beds

Baths

2,478

Sq Ft

1999

Built

—

Garage

Pool

About this home

Hilliard

Rare Multi-Generational Opportunity in Hilliard! Nestled beneath majestic oak trees and Spanish moss, this unique property features two separate homes on one beautifully shaded parcel. The main home, built in 1999, offers 1,498 SF, 4 bedrooms, 2 bathrooms, an open floor plan, a spacious living area, and a large kitchen with abundant cabinetry. The master bathroom features dual vanity sinks and a walk-in tiled shower. The home also features covered front and rear porches. The guest home provides 980 SF, 1 bedroom, 1 bathroom, an inside laundry room, a covered side porch, and a 2-car carport--ideal for extended family, guests, rental income, or a home business. Enjoy the charm of Old Florida living with mature trees, expansive outdoor space, and a backyard storage shed for tools and lawn equipment. A rare opportunity offering flexibility, privacy, and endless possibilities. Approximately 2,478 total heated square feet between both residences on a .74 acre lot.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,314

Principal & Interest: $3,314

Property taxes (est.): $897

Insurance (est.): $433

Estimated Total Monthly

$4,645

*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$3,314

Property taxesest. at asking price, Nassau County$897

Estimated total, before insurance$4,212/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,463/yr · $205/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	$336,368	$138,427	—
2024	$323,693	$133,677	—
2023	$298,579	$128,182	—
2022	$248,907	$127,347	—
2021	$206,204	$103,766	—
2020	$190,036	$102,136	—

2025 property taxes (current owner): $2,463/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: Metal — year not disclosed (home built 1999)

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

Sewer · FL0043079 - Town of Hilliard WWTF (NassauCntyUtilsGDB) · Public water (record)

County records show this parcel on central sewer served by FL0043079 - Town of Hilliard WWTF (NassauCntyUtilsGDB) — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,289 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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