Active Under Contract·58 days on market
2567 Ruby Drive
Hilliard, FL 32046
About this home
Hilliard
Welcome to this tucked away gem on Ruby Drive. This 3 bedroom 2 bath home offers 1620 square feet of comfortable space and 2.3 acres of peaceful living. As you enter inside you will be greeted with the large open living room with wood burning fireplace that flows into the dining room and kitchen. Kitchen has an eat in area, room for barstools, and a nice size pantry. Split bedroom design. Inside laundry room. Spacious primary bedroom with walk in closet. Primary bath features a separate shower and garden tub, and don't forget the double sinks. Step outside to enjoy covered front and back patios, perfect for morning coffee or unwinding at day's end. The fenced backyard offers room for pets and play, while a chicken coop awaits anyone dreaming of fresh eggs. A 30-by-12 detached building with power, an additional storage shed, a carport, and an extra concrete slab provide endless possibilities for projects and parking. With a wooded front, you'll enjoy privacy and freedom rarely found.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $137,079 | $25,000 | — |
| 2024 | $119,400 | $25,000 | — |
| 2023 | $123,841 | $25,000 | — |
| 2022 | $100,214 | $25,000 | — |
| 2021 | $95,718 | $25,000 | — |
| 2020 | $88,440 | $25,000 | — |
2025 property taxes (current owner): $504/yr
Estimated taxes if purchased at asking price: ~$4,000/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 J
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Metal — year not disclosed (home built 1995)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,727 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 homeAs 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
Price & status history
- Aug 17, 2026Active Under Contract$240,000
- Aug 9, 2026Price change$240,000−$10,000
- Aug 5, 2026Active Under Contract$250,000
- Jul 21, 2026Active$250,000
- Jun 24, 2026Listed$250,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines