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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$575,0004 bd · 3 ba · 2,478 sq ft

Active·144 days on market

37153 S Pine Street

Hilliard, FL 32046

$575,000$232/sqftEst. $3,135/mo mortgageMLS# 2151214
↓ $75,000 below original list
4
Beds
3
Baths
2,478
Sq Ft
1999
Built
—
Garage
No
Pool
FEMA Zone XNo HOA0.74 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Hilliard

Some properties are simply different. Share the property without sharing the living room. 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 · 7.24% · 30yr$3,135
Property taxesest. at asking price, Nassau County$794
Estimated total, before insurance$3,929/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

$575,000
$115,000
Loan Term
Monthly Payment
$3,135
Principal & Interest: $3,135
Property taxes (est.): $794
Insurance (est.): $383
Estimated Total Monthly
$4,312
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $184/sq ft; this home is listed at $232/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
37069 Lee Street, Hilliard, FL 32046Listed by WATSON REALTY CORPOct 2025$365,000$2043/21,786220.4
37286 Mill Street, Hilliard, FL 32046Listed by MONUMENTAL REALTY SERVICES LLCApr 2026$160,000$803/2.51,9962210.8
361930 Pine Street, Hilliard, FL 32046Listed by JPAR CITY AND BEACHJul 2026$200,000$953/22,100481.1
2720 Crystal Place, Hilliard, FL 32046Listed by UNITED REAL ESTATE GALLERYMar 2026$275,000$1563/21,760481.3
37127 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCJun 2026$363,900$1974/21,8471721.4
37148 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCFeb 2026$339,900$1844/21,8472531.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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

School Information

This listingNo schools reported in the MLS
ElementaryHilliard, reported on 27 other Hilliard listings
MiddleHilliard, reported on 27 other Hilliard listings
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

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 Market144
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

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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