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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

$399,0003 bd · 2 ba · 1,830 sq ft

Active·1 day on market

576366 Lessie Road

Hilliard, FL 32046

$399,000$218/sqftEst. $2,162/mo mortgageMLS# 2173285
3
Beds
2
Baths
1,830
Sq Ft
2024
Built
2
Garage
No
Pool
FEMA Zone XNo HOA3.74 acresManufactured Home1 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— a like-new 2024 home on 3.74 private acres in Hilliard. Step onto the covered attached front porch — the perfect spot for a slow morning coffee — and into 1,830 sq ft of thoughtful design, where custom accents carry through every room. The open living spaces are bright and welcoming, made for gathering, and the kitchen flows easily into the rest of the home. The huge primary suite is a true retreat at the end of the day: his-and-hers closets with room to spare, a double vanity, a separate shower, and a soaking tub to unwind in. The two additional bedrooms are generously sized, with the second full bath close by. Outside, the partially fenced front yard adds charm and the huge shop with two roll-up doors gives you room for it all — toys, tools, a workshop, or storage for the things that matter. And with nearly four acres around you, privacy comes standard. Practical comforts are covered too, with a whole-house generator and a water softener, ready for it's next owners.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$2,162
Property taxesest. at asking price, Nassau County$534
Estimated total, before insurance$2,696/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

$399,000
$79,800
Loan Term
Monthly Payment
$2,162
Principal & Interest: $2,162
Property taxes (est.): $534
Insurance (est.): $266
Estimated Total Monthly
$2,962
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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.

Mostly Zone X: 64% of this 4.7-acre lot is outside FEMA's high-risk flood zones

The other 36% is Zone A (36%). Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone I

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2024)

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

Krista can connect you with local insurance quotes before you make an offer.

As of November 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.

History

Price & status history

  • Nov 11, 2026Listed$399,000

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 $175/sq ft; this home is listed at $218/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
376530 Kings Ferry Road, Hilliard, FL 32046Listed by REMI REALTY, LLCMay 2026$360,000$1523/22,376651.6
48201 Tracer Trail, Hilliard, FL 32046Listed by FERNANDINA BEACH REALTYJun 2025$285,000$1753/21,624431.7

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.

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$399,000
Price / Sq Ft$218
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,830
Acres3.74 acres
Year Built2024
TypeResidential
Sub-TypeManufactured Home
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address576366 Lessie Road, Hilliard, FL 32046
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionHilliard
CityHilliard
CountyNassau
StateFL
Zip Code32046
Lot Size162,914.4 sq ft
Parcel Number38-4N-25-0000-0012-0000

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePrivate
ParkingDetached
ViewTrees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Spa FeaturesAbove Ground

Exterior

Patio / PorchCovered, Porch
RoofShingle

Additional Information

Date ListedNovember 11, 2026
Days on Market1
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DIAMOND REALTY GROUP OF AMELIA ISLAND

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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