Active·40 days on market
151076 County Road 108
Hilliard, FL 32046
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Hilliard
Welcome home! This property offers the perfect combination of space, recent updates, and nearly an acre of land. Situated on a spacious .98-acre lot, this home provides plenty of room to enjoy the outdoors, create your own private retreat, or simply appreciate the extra space and privacy that larger lots provide. Major updates offer added peace of mind, including a 2020 metal roof, 2016 septic system and hot water heater, and an HVAC system that is less than two years old. With many of the major components already updated, you can focus on making the home your own rather than worrying about immediate big-ticket improvements. The generous lot is a standout feature, offering endless possibilities for outdoor enjoyment, gardening, recreation, or future improvements, subject to local requirements. Whether you're looking for a comfortable primary residence or simply want the freedom and flexibility that nearly an acre provides, this property is ready for its next owner.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2002)
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: ~1,706 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 September 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,940/yr
Estimated taxes if purchased at asking price: ~$4,000/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.
History
Price & status history
- Aug 31, 2026Listed$239,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $225/sq ft; this home is listed at $192/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 37123 Marshall Lane, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTY | Aug 2026 | $305,000 | $189 | 3/2.5 | 1,618 | 38 | 0.7 |
| 37397 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Aug 2026 | $345,900 | $225 | 3/2 | 1,536 | 49 | 1 |
| 37111 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $292,900 | $235 | 3/2 | 1,249 | 25 | 1 |
| 37247 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $295,900 | $237 | 3/2 | 1,247 | 99 | 1.1 |
| 37103 Southern Glen Way, Hilliard, FL 32046Listed by RE/MAX BLUE COAST | Apr 2025 | $265,000 | $210 | 3/2 | 1,264 | 21 | 2.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
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 through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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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