Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 37
Active

Active·8 days on market

36028 Pitch Lane

Hilliard, FL 32046

$539,900$260/sqftEst. $2,955/moMLS# 2163744
4
Beds
2
Baths
2,079
Sq Ft
2022
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $76/mo1.02 acresSingle Family Residence1 story

See it this week

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) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Hilliard

SALTWATER POOL & 1.02 ACRES! Welcome to 36028 Pitch Lane in Southern Pines, where you get the space you've been looking for inside and out. Built in 2022, this 4-bedroom, 2-bath home offers 2,079 square feet with an open-concept layout and designated dining area. One of the four bedrooms is currently being used as a home office, offering flexibility for work, guests or additional sleeping space. The bright kitchen anchors the main living area with a large island, plenty of prep space and an easy flow for everyday living and entertaining. Step outside and this home really starts to shine. The covered patio opens to a beautiful inground saltwater pool surrounded by an expansive paver deck, ready for Florida afternoons, weekend cookouts or simply relaxing at home. Beyond the pool area, the sellers have cleared approximately half of the nearly one-acre homesite, giving you even more usable outdoor space while still maintaining plenty of room around you.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$2,955
Property taxesest. at asking price, Nassau County$745
HOAbilled monthly$76
Estimated total, before insurance$3,777/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,256/yr · $521/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$539,900
$107,980
Loan Term
Monthly Payment
$2,955
Principal & Interest: $2,955
Property taxes (est.): $745
Insurance (est.): $360
Estimated Total Monthly
$4,061
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

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 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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): $6,256/yr

Estimated taxes if purchased at asking price: ~$8,900/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

  • Sep 28, 2026Active$539,900
  • Sep 4, 2026Listed$539,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$539,900
Price / Sq Ft$260
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,079
Acres1.02 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleFlat, Traditional
StatusActive
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Salt Water
Is WaterfrontNo

School Information

ElementaryHilliard
MiddleHilliard

Community Information

Address36028 Pitch Lane, Hilliard, FL 32046
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionSouthern Pines
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size44,431.2 sq ft
Parcel Number233N24330001130000

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesEntrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch, Patio
RoofShingle
ConstructionOther, Fiber Cement

Additional Information

Date ListedSeptember 28, 2026
Days on Market0
HOA Fees$76 / Monthly
HOA FrequencyMonthly
Tax Amount$6,256.41
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS JACKSONVILLE

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.

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines