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Active·Listed today

37257 Railroad

Hilliard, FL 32046

$479,900$228/sqftEst. $2,562/moMLS# 2166517

Beds

2.5

Baths

2,104

Sq Ft

2002

Built

—

Garage

Pool

FEMA Zone XNo HOA1.59 acresSingle Family Residence1 story

About this home

Hilliard

Room to spread out without leaving town. This fully remodeled, move-in ready 4-bed, 2.5-bath home sits on two lots totaling 1.59 acres in the heart of Hilliard, with mature oaks, a long private drive, and front and back porches. Inside, 2,104 sq ft features a new kitchen with new appliances, new flooring throughout, and fresh paint. The major systems are new too: metal roof, HVAC, and water heater. Town water and sewer, no HOA, and minutes to US-1 and Hilliard schools.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$2,562

Property taxesest. at asking price, Nassau County$663

Estimated total, before insurance$3,224/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$479,900

Down Payment: 20%

$95,980

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,562

Principal & Interest: $2,562

Property taxes (est.): $663

Insurance (est.): $320

Estimated Total Monthly

$3,544

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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: Metal — year not disclosed (home built 2002)

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

Sewer · FL0043079 - Town of Hilliard WWTF (NassauCntyUtilsGDB) · Public water (record)

County records show this parcel on central sewer served by FL0043079 - Town of Hilliard WWTF (NassauCntyUtilsGDB) — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,447 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 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.

History

Price & status history

Sep 25, 2026Listed$479,900

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

Features

Price$479,900

Price / Sq Ft$228

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,104

Acres1.59 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

School Information

ElementaryHilliard

MiddleHilliard

HighHilliard

Community Information

Address37257 Railroad, Hilliard, FL 32046

Area491-Hillard

SubdivisionMetes & Bounds

CityHilliard

CountyNassau

StateFL

Zip Code32046

Lot Size69,260.4 sq ft

Lot Dimensions289x240 (two parcels: 150x240 + 139x240)

Parcel Number093N24000000250000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, RV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesPantry, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Patio / PorchFront Porch, Rear Porch

RoofMetal

ConstructionFiber Cement, Frame

Additional Information

Date ListedSeptember 25, 2026

Days on Market2

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: FREEDOM REALTY 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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Krista Fracke

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