1 / 65

Active

Active·5 days on market

28122 Trinity Lane

Hilliard, FL 32046

$324,900$153/sqftEst. $1,651/moMLS# 2155521

Beds

Baths

2,128

Sq Ft

2026

Built

—

Garage

Pool

About this home

Hilliard

Brand new 5 bedroom, 3 bathroom home on over an acre in desirable Hilliard area! This home features 5 bedrooms, 3 bathrooms and over 2,000 sqft of living space. Complete with open kitchen, new stainless steel appliances, vinyl flooring, large primary bedroom with walk in closet and double vanity bathroom. The property is also fully fenced in! Priced to sell and won't last long. Schedule your showing today! Property is still under construction finalizing permits for septic and utilities but will be ready very soon!

Cost to own

Mortgage calculator

Home Price

$324,900

Down Payment: 20%

$64,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,651

Principal & Interest: $1,651

Est. Taxes & Insurance: $413

Estimated Total Monthly

$2,064

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 6.55% · 30yr$1,651

Property taxesest. at asking price, Nassau County$449

Estimated total, before insurance$2,100/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: material not specified — year not disclosed (home built 2026)

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: ~1,566 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