$387,4003 bd · 2 ba · 1,622 sq ft
Active·50 days on market
27438 W 4th Avenue
Hilliard, FL 32046
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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
LIKE NEW 3BR/2BA in City of Hilliard! Built in 2023 with NO HOA, this approx 1622 sq ft home sit on a generous 75'x125' lot and offers modern comfort with low maintenance features. Enjoy attractive cement fiber board siding, tile and laminate flooring, stainless steel kitchen appliances, an oversized one-car garage and a 8x12 shed for extra storage. This spacious 3/2 layout provides plenty of room for comfortable living, entertaining, or working from home and has some handicap features. Conveniently located to local schools and surrounding Northeast Florida and Southeast Georgia areas and a short commute to NAS JAX and Kings Bay GA. A newer home with a great lot and desirable features- don't miss it, schedule your private tour today!
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 K
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,388 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.
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.
Closest park or preserve
Ralph E. Simmons Memorial State Forestabout 7 mi · 13.4 mi of trails
Closest public boat ramp
Walker Landing (aka. Scott's Landing)about 7 mi · St. Marys River
Closest kayak & paddleboard launch
Four Creeks State Forest – Boggy Creek Landing Canoe Accessabout 14 mi · Boggy Creek
Closest grocery store
Winn-Dixieabout 2 mi · 550969 US Hwy 1, Hilliard
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.
History
Price & status history
- Nov 4, 2026Price change$387,400−$2,500
- Oct 15, 2026Price change$389,900−$5,000
- Sep 24, 2026Price change$394,900−$5,000
- Sep 20, 2026Listed$399,900
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 $204/sq ft; this home is listed at $239/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 27450 W Third Avenue, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $249,900 | $167 | 3/2 | 1,500 | 2 | 0.2 |
| 27303 New Front Street, Hilliard, FL 32046Listed by CLASSIC REALTY | Aug 2025 | $234,900 | $189 | 3/2 | 1,242 | 67 | 0.3 |
| 27411 W 11th Avenue, Hilliard, FL 32046Listed by ERA ONETEAM REALTY | May 2026 | $350,000 | $205 | 4/2 | 1,711 | 106 | 0.4 |
| 37206 Cypress Lane, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTY | May 2026 | $195,000 | $143 | 2/1 | 1,362 | 68 | 0.4 |
| 27048 W First Avenue, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $290,000 | $204 | 3/2 | 1,419 | 55 | 0.4 |
| 37280 New Oak Street, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTY | Oct 2025 | $380,000 | $257 | 3/2 | 1,476 | 76 | 0.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
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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