Active·3 days on market
175484 Bay Road
Hilliard, FL 32046
About this home
Hilliard
Welcome home to this charming farmhouse-style property nestled on a spacious corner fenced lot in Hilliard! This inviting 3-bedroom, 1.5-bath home blends comfortable living with timeless character and thoughtful updates. Inside, you'll find butcher block countertops, a beautiful built-in fireplace, and a warm farmhouse feel throughout. Step outside to enjoy the screened-in back porch, perfect for relaxing or entertaining while overlooking the private, fenced backyard. With no HOA and plenty of outdoor space, there's room to enjoy the freedom of country-style living while still being conveniently located near local amenities. The property is also within walking distance of the ballpark and covered playground, making it a great location for enjoying the community. Don't miss the opportunity to make this Hilliard gem your own!
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
2025 property taxes (current owner): $2,020/yr
Estimated taxes if purchased at asking price: ~$4,600/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: Shingle — year not disclosed (home built 1972)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0043079 - Town of Hilliard WWTF (NassauCntyUtilsGDB) · Private well (public record)
County records show this parcel on central sewer served by FL0043079 - Town of Hilliard WWTF (NassauCntyUtilsGDB) — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,679 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 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
Price & status history
- Aug 18, 2026Listed$275,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DIAMOND REALTY GROUP OF AMELIA ISLAND
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Hilliard
Active$283,500MLS# 2140447Est. $1,509/mo361911 Pine Street, Hilliard, FL 320463 Beds2 Baths1,120 sqftWrap up the summer in your brand new home before the holidays! This charming 3-bedroom, 2-bath retreat offers $0 down…
ResidentialPRISTINE PROPERTIES OF FLORIDA LLC
Pending$260,000MLS# 2149065Est. $1,384/mo18494 Broken Arrow Road, Hilliard, FL 320463 Beds2 Baths1,800 sqft2.98 Acres in the country!! Welcome to Country Living in this 2006 3 Bedroom / 2 Bath Manufactured Home located on a…
ResidentialFERNANDINA BEACH REALTY
Active$299,900MLS# 2160768Est. $1,596/mo241826 County Road 121, Hilliard, FL 320463 Beds2 Baths1,680 sqftPRIVATE COUNTRY LIVING ON 3.47 ACRES-NO HOA AND NO CDD FEES, BRING YOUR TOYS! Enjoy the privacy and freedom of country…
ResidentialWATSON REALTY CORP
Active$299,900MLS# 2154969Est. $1,596/mo4785 River Road, Hilliard, FL 320463 Beds2 Baths1,700 sqftDON'T MISS THIS GREAT OPPORTUNITY ! Escape the HOA and CDD fees-Enjoy Peaceful Country Living! If you've been searching…
ResidentialSHRIMP CAPITAL REALTY
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines