Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·9 days on market

15561 County Road 108

Hilliard, FL 32046

$499,000$265/sqftEst. $2,563/moMLS# 2159686

Beds

Baths

1,884

Sq Ft

2004

Built

—

Garage

Pool

About this home

Hilliard

Welcome home to this charming country farmhouse situated on 3.36 acres near the Hilliard city limits! This beautiful 4-bedroom, 2-bath home offers plenty of space inside and out, with an inviting open floor plan perfect for everyday living and entertaining. Enjoy new carpet in the bedrooms and bonus room, a spacious Florida room overlooking the property, and a wonderful front and side porch--perfect for relaxing with your morning coffee. A covered carport provides convenient parking and additional outdoor space. Zoned Open Rural with NO HOA and no unnecessary fees, there's plenty of room to bring your farm animals, enjoy the outdoors, and embrace the peaceful country lifestyle you've been looking for. Country living with the convenience of being just minutes from Hilliard!

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,563

Principal & Interest: $2,563

Property taxes (est.): $689

Insurance (est.): $333

Estimated Total Monthly

$3,584

*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$2,563

Property taxesest. at asking price, Nassau County$689

Estimated total, before insurance$3,252/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.

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: Shingle — 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: ~1,609 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 August 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