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Active

Active·94 days on market

37153 S Pine Street

Hilliard, FL 32046

$575,000$232/sqftEst. $3,045/moMLS# 2151214

↓ $75,000 below original list

Beds

Baths

2,478

Sq Ft

1999

Built

—

Garage

Pool

FEMA Zone XNo HOA0.74 acresSingle Family Residence1 story

About this home

Hilliard

Own Two Homes for the Price of One Some properties are simply different. Whether you're caring for aging parents, welcoming adult children back home, generating rental income, hosting long-term guests, or running a home-based business, this property offers flexibility that's incredibly difficult to find. Set beneath mature oak trees on a beautifully shaded .74-acre lot, you'll find two completely separate residences. The main home features four bedrooms, two bathrooms, nearly 1,500 square feet, an open floor plan, spacious living area, generous kitchen, tiled walk-in shower, dual vanities, and covered front and rear porches. Just steps away, the second home provides nearly 1,000 square feet with a private bedroom, full bath, inside laundry room, covered porch, and two-car carport--perfect for extended family, guests, or producing additional income.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$3,045

Property taxesest. at asking price, Nassau County$794

Estimated total, before insurance$3,839/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).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$3,045

Principal & Interest: $3,045

Property taxes (est.): $794

Insurance (est.): $383

Estimated Total Monthly

$4,222

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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.

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: ~$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.

History

Price & status history

Aug 28, 2026Price change$575,000−$15,000
Aug 4, 2026Price change$590,000−$60,000
Jun 18, 2026Listed$650,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$575,000

Price / Sq Ft$232

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,478

Acres0.74 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Carport Spaces4

Has PoolNo

Is WaterfrontNo

Community Information

Address37153 S Pine Street, Hilliard, FL 32046

Area491-Hillard

SubdivisionHilliard

CityHilliard

CountyNassau

StateFL

Zip Code32046

Lot Size32,234.4 sq ft

Parcel Number163N24000000060050

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Attached Carport, Carport, Covered

Interior

AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingHeat Pump

CoolingCentral Air

# of Stories1

LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionDead End Street

Patio / PorchFront Porch, Porch, Rear Porch

RoofMetal

Other StructuresGuest House, Shed(s)

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJune 18, 2026

Days on Market76

Tax Amount$2,463.09

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: DIAMOND REALTY GROUP OF AMELIA ISLAND · braddockrealtors@gmail.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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