Active·2 days on market
37257 Railroad Street
Hilliard, FL 32046
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Hilliard
Relisted without the adjoining lot. Fully remodeled and move-in ready, this 4-bed, 2.5-bath home sits on 0.83 acres shaded by mature oaks, right in the heart of Hilliard. The expensive work is done: new metal roof, new HVAC, and a new water heater. Inside, a 2,104 sq ft single-story layout with a new kitchen and appliances, new LVP and carpet, fresh paint, a pantry, and a ground-floor primary suite with walk-in closet. Front and back porches look out over a big, private yard. Town water and sewer, no HOA, and minutes to US-1 and Hilliard schools. About 20 minutes to Callahan and 45 to Jacksonville. The 0.77-acre lot next door (139' x 240', zoned R-2, town water and sewer) is also available for an additional $50,000. Seller is a licensed Florida real estate agent.
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: Metal — year not disclosed (home built 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,433 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 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 1 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 23, 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 $204/sq ft; this home is listed at $200/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 37120 S Oak Street, Hilliard, FL 32046Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | May 2026 | $410,000 | $255 | 3/2 | 1,609 | 55 | 0.3 |
| 37069 Lee Street, Hilliard, FL 32046Listed by WATSON REALTY CORP | Oct 2025 | $365,000 | $204 | 3/2 | 1,786 | 22 | 0.3 |
| 37204 W Third (Includes Adjacent Lot) Street, Hilliard, FL 32046Listed by EXP REALTY LLC | Jun 2026 | $300,000 | $178 | 3/2 | 1,690 | 47 | 0.4 |
| 37280 New Oak Street, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTY | Oct 2025 | $380,000 | $257 | 3/2 | 1,476 | 76 | 0.4 |
| 37286 Mill Street, Hilliard, FL 32046Listed by MONUMENTAL REALTY SERVICES LLC | Apr 2026 | $160,000 | $80 | 3/2.5 | 1,996 | 221 | 0.6 |
| 27450 W Third Avenue, Hilliard, FL 32046Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $249,900 | $167 | 3/2 | 1,500 | 2 | 0.7 |
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: 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
Broker Associate
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