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Active·22 days on market

21959 County Road 121

Hilliard, FL 32046

$365,000$231/sqftEst. $1,875/moMLS# 2157296

Beds

Baths

1,582

Sq Ft

2004

Built

Garage

Pool

About this home

Hilliard

Escape to the country and discover the space, privacy, and possibilities this unique 3.27-acre fully useable property has to offer! This 3 bedroom, 1 bath barndominium features 1,582 heated square feet and is situated at the end of a private rock driveway. New flooring recently added in the living room, primary bedroom and one of the guest bedrooms..The property is ideal for those looking for room to spread out, enjoy country living, or create the perfect family homestead. The attached garage has 800 square feet of space that could be converted to more living space OR keep it as is for parking, storage, hobbies and projects. The property also includes a 40 x 32 carport, providing additional covered space for boats, ATVs, vehicles, equipment, and more. Totaling covered work space: 2,080 Sq Ft!!!!

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,875

Principal & Interest: $1,875

Property taxes (est.): $504

Insurance (est.): $243

Estimated Total Monthly

$2,622

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,875

Property taxesest. at asking price, Nassau County$504

Estimated total, before insurance$2,378/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,666/yr · $305/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): $3,666/yr

Estimated taxes if purchased at asking price: ~$6,000/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, 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 2004)

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: ~1,554 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