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Active

Active·15 days on market

4785 River Road

Hilliard, FL 32046

$326,000$192/sqftEst. $1,662/moMLS# 2154969

Beds

Baths

1,700

Sq Ft

1994

Built

—

Garage

Pool

About this home

Hilliard

Escape the HOA and CDD fees-Enjoy Peaceful Country Living! If you've been searching for the Freedom of Country Living without HOA or CDD fees, this is the home you have been waiting for! Situated on a spacious 1.44 acre lot, this charming Triple Wide Manufactured Home offers room to relax, entertain and create the lifestyle you've always wanted. The expansive living room features a cozy gas fireplace. Beautiful glass doors that open onto a large back deck, create the perfect space for family gatherings or quiet evenings overlooking your private backyard. The well designed floorplan offers abundant storage with numerous closets and cabinets throughout. Recent upgrades provide peace of mind, including New Stainless Steel appliances, new skirting, LVP flooring, a new well and pump, new septic system, and a new water softener-making this HOME truly Move-In Ready.

Cost to own

Mortgage calculator

Home Price

$326,000

Down Payment: 20%

$65,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,662

Principal & Interest: $1,662

Property taxes (est.): $450

Insurance (est.): $217

Estimated Total Monthly

$2,330

*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$1,662

Property taxesest. at asking price, Nassau County$450

Estimated total, before insurance$2,112/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$927/yr · $77/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

2025 property taxes (current owner): $927/yr

Estimated taxes if purchased at asking price: ~$5,400/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, 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 1994)

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: ~1,653 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