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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$399,9004 bd · 2 ba · 1,639 sq ft

Active·54 days on market

17101 Cross Branch Road

Hilliard, FL 32046

$399,900$244/sqftEst. $2,180/mo mortgageMLS# 2165190
↓ $15,100 below original list
4
Beds
2
Baths
1,639
Sq Ft
2007
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.01 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) 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 to Cross Branch Road, where peaceful country living meets space, freedom, and functionality. Set on just over one acre with no HOA and no CDD fees, this all brick, four bedroom, two bathroom home offers room to breathe, work, store, and create. Step inside to vaulted ceilings and durable laminate flooring throughout the main living areas. A charming opening connects the living room to the galley kitchen, while a two tier breakfast bar provides the perfect place for morning coffee, casual meals, or conversation while dinner is being prepared. The kitchen features black appliances and an adjoining dining area. The primary suite feels like a private retreat, complete with a tray ceiling, walk in closet, soaking tub, and separate shower. Three additional bedrooms provide flexibility for family, guests, a home office, or hobbies. Every bedroom is equipped with a ceiling fan. An interior laundry area and attached two car garage add everyday convenience. Outside is where this truly

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,180
Property taxesest. at asking price, Nassau County$552
Estimated total, before insurance$2,732/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,194/yr · $183/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

$399,900
$79,980
Loan Term
Monthly Payment
$2,180
Principal & Interest: $2,180
Property taxes (est.): $552
Insurance (est.): $267
Estimated Total Monthly
$2,999
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 (the whole 1-acre lot)

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 2007)

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: ~1,702 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,194/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

History

Price & status history

  • Nov 5, 2026Price change$399,900−$15,100
  • Sep 17, 2026Listed$415,000

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 $222/sq ft; this home is listed at $244/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
17080 McIntosh Road, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLCOct 2025$381,000$2224/21,720250.3
27687 Conner Nelson, Hilliard, FL 32046Listed by COLDWELL BANKER VANGUARD REALTYJun 2025$305,000$1563/21,9501010.7
30036 County Road 121, Hilliard, FL 32046Listed by DJ & LINDSEY REAL ESTATEApr 2026$250,000$1653/21,51251.9
11098 Mulberry Landing, Hilliard, FL 32046Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAOct 2026$215,000$1593/21,352132.1
17200 Casa Roja Lane, Hilliard, FL 32046Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDEJul 2026$610,000$3383/21,8062142.1
241453 County Road 121, Hilliard, FL 32046Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSApr 2026$575,300$2883/22,000202.2

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$399,900
Price / Sq Ft$244
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,639
Acres1.01 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryHilliard, reported on 5 other Metes & Bounds listings
MiddleHilliard, reported on 5 other Metes & Bounds listings
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address17101 Cross Branch Road, Hilliard, FL 32046
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionMetes & Bounds
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size43,995.6 sq ft
Lot Dimensions179.69 x 246.08
Parcel Number103N23000000110040

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePrivate, Well
ParkingAdditional Parking, Carport, Garage

Interior

Interior FeaturesBreakfast Bar, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LaundryIn Unit

Exterior

ConstructionBrick
Other StructuresWorkshop
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 17, 2026
Days on Market54
Tax Amount$2,193.83
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BIRD DOG REAL ESTATE GROUP LLC

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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