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Active·2 days on market

241826 County Road 121

Hilliard, FL 32046

$299,900$179/sqftEst. $1,540/moMLS# 2160768

Beds

Baths

1,680

Sq Ft

2004

Built

—

Garage

Pool

About this home

Hilliard

PRIVATE COUNTRY LIVING ON 3.47 ACRES-NO HOA AND NO CDD FEES, BRING YOUR TOYS! Enjoy the privacy and freedom of country living on 3.47 beautiful acres! This well-maintained 3-bedroom, 2-bath home offers a great floor plan with spacious rooms and plenty of comfortable living space. A large wraparound front porch, perfect for relaxing, unwind, and enjoying the peaceful surroundings. The property offers a wonderful combination of cleared and wooded acreage, complete with riding trails winding through the woods-great for horses, ATV's, outdoor adventures, or simply enjoying nature. A large workshop provides plenty of room for projects, equipment , or storage, plus a pole barn for additional covered space. With NO HOA and NO CDD fees, you'll have the freedom and flexibility to truly enjoy your property. If you're looking for acreage, privacy, room for your toys, and peaceful country living, this property has so much to offer. Come see it today and imagine the possibilities!

Cost to own

Mortgage calculator

Home Price

$299,900

Down Payment: 20%

$59,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,540

Principal & Interest: $1,540

Property taxes (est.): $414

Insurance (est.): $200

Estimated Total Monthly

$2,154

*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$1,540

Property taxesest. at asking price, Nassau County$414

Estimated total, before insurance$1,954/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,930/yr · $244/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): $2,930/yr

Estimated taxes if purchased at asking price: ~$5,000/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 J

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified — 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: ~1,736 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