Active·4 days on market
37075 Ruby Drive
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
SPACE, PRIVACY & POSSIBILITIES! Situated on two parcels totaling approximately 0.58 acres in the Town of Hilliard, this spacious tri-level home offers flexible living with room for everyone! Multiple living areas and a versatile floor plan provide excellent opportunities for multigenerational living, a home office, hobbies or guest accommodations. The finished basement adds more usable space with a second family room, laundry room and additional storage. Recent improvements include a newer roof, HVAC, water heater, updated drywall and flooring, water treatment system, plumbing, plus a remodeled kitchen and sunroom with attached deck. The oversized detached 2.5-car garage accommodates two full-size vehicles with additional room for ATVs or golf cart. Additional perks include a separate storage shed and oversized lot. Just a short drive to the Jacksonville International Airport, beaches, shopping and medical facilities. Come see the amazing potential in this hidden Hilliard gem.
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 1973)
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: ~1,581 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.
Ask about this homeAs of October 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.
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 13 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
- Oct 20, 2026Listed$419,900
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 $197/sq ft; this home is listed at $216/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 37286 Mill Street, Hilliard, FL 32046Listed by MONUMENTAL REALTY SERVICES LLC | Apr 2026 | $160,000 | $80 | 3/2.5 | 1,996 | 221 | 0.1 |
| 37375 Mill Street, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTY | Jul 2025 | $235,000 | $168 | 3/1 | 1,400 | 165 | 0.1 |
| 37204 W Third (Includes Adjacent Lot) Street, Hilliard, FL 32046Listed by EXP REALTY LLC | Jun 2026 | $300,000 | $178 | 3/2 | 1,690 | 47 | 0.6 |
| 37127 Whippoorwill Court, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Jun 2026 | $363,900 | $197 | 4/2 | 1,847 | 172 | 0.6 |
| 37338 Whisper Way, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLC | Apr 2026 | $334,900 | $218 | 3/2 | 1,536 | 130 | 0.6 |
| 552138 US Highway 1, Hilliard, FL 32046Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Mar 2026 | $475,000 | $277 | 5/2 | 1,714 | 305 | 0.6 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ATLANTIC SALT 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
Broker Associate
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