Active·20 days on market
0 Tom Crawford Road
Hilliard, FL 32046
About this home
Hilliard
21.7 Acres on the St. Mary's River -- Your Own Riverfront Paradise! Discover a truly special opportunity to own 21.7 acres of beautiful riverfront property along the St. Mary's River. Whether you dream of building your own private retreat, enjoying the outdoors, or simply escaping the everyday, this property offers a rare combination of privacy, acreage, and waterfront living. Imagine spending your days exploring your own property, hiking through the woods, hunting, fishing, or simply relaxing in the sun on your own beautiful white sandy beach. For those who love the water, a boat ramp located just across the river provides convenient access for boating, fishing, kayaking, and exploring. Opportunities to own this much acreage directly on the St. Mary's River are hard to find. Whether you're looking for a private homesite, recreational getaway, or simply a place to enjoy nature and make lasting memories, this property is truly special. Your own piece of riverfront paradise is waiting
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.
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 J
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: material not specified
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: ~1,257 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $313,925 | $4,918 | — |
| 2024 | $303,100 | $4,990 | — |
| 2023 | $303,100 | $4,689 | — |
| 2022 | $71,775 | $5,002 | — |
| 2021 | $51,960 | $51,960 | ▼ $77,940 |
| 2020 | $108,250 | $6,630 | — |
Estimated taxes if purchased at asking price: ~$5,200/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 (2025), NEFMLS.
History
Price & status history
- Sep 2, 2026Listed$312,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: RE FLORIDA HOMES LLC · ben_hall1@aol.com
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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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines