37039 Ingham Rd, Hilliard, FL 32046 Property Records

Nassau County property record for 37039 Ingham Rd, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,659 sqft · built 2005
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,000 (Oct 2005)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2026 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-3N-24-2020-0005-0090`

Property Details

APN / Parcel Number

Primary APN	`16-3N-24-2020-0005-0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,659 sqft Living Area
Gross Area	2,059 sqft
1st Floor Area	1,659 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	400 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	208 sqft
Deck Area	Deck Area
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	37039 INGHAM RD
City	HILLIARD
State	FL
Zip	32046-7709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	PT OF LOT 5 IN OR 1359/225 CORNWALL SURVEY S/D OF SEC 16-3N-24E PBK O/31
Legal Range	24E
Legal Township	03N
Legal Section	16
Legal Subdivision	CORNWALL SURVEY
Legal Block	90
Legal Lot Number	5
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2018
Census Tract	50401

Owner

Source: Nassau County records, as of September 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	37039 INGHAM RD, HILLIARD, FL 32046-7709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Sep 1, 2023	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jul 24, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2005 · Amount on Record
Deed Sale	Oct 17, 2005 · Amount on Record
Prior Sale	Sep 13, 2004 · Amount on Record
Deed Document Number	200538655
Deed Book / Page	1359 / 225
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Recording Date	Aug 7, 2026
Property Address	37039 INGHAM RD, HILLIARD, FL 32046-7709
Document Number	0000024048
Book / Page	2887 / 677
Instrument Date	Jul 31, 2026
Instrument	202624048
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37039 INGHAM RD, HILLIARD, FL 32046-7709

Mortgage

Document Number	0000024048,
Date	Aug 7, 2026
Book Page	2887/677
Instrument	202624048

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	37039 INGHAM RD, HILLIARD, FL 32046-7709
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37039 INGHAM RD, HILLIARD, FL 32046-7709

Mortgage

Document Number	0028401065
Date	Jan 12, 2026
Book Page	2840/1065
Instrument	202645000846

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	37039 INGHAM RD, HILLIARD, FL 32046-7709
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37039 INGHAM RD, HILLIARD, FL 32046-7709

Mortgage

Document Number	0026640803
Date	Sep 1, 2023
Book Page	2664/803
Instrument	202345026591

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	37039 INGHAM RD, HILLIARD, FL 32046-7709
Document Number	0023810780
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	37039 INGHAM RD HILLIARD FL 320467709, HILLIARD, FL 32046-7709

Mortgage

Document Number	0023810780
Date	Aug 4, 2020
Book Page	002381/000780
Instrument	45024043

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Municipality	Hilliard Town
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,358.00 (+3.43%) Homeowner's exemption	$122,770 (+2.9%)	$239,341 (+4.29%) Land $34,560 Building $204,781
2024	$1,313.00 (+3.88%) Homeowner's exemption	$119,310 (+3%)	$229,490 (+5.99%) Land $33,600 Building $195,890
2023	$1,264.00 (+12.26%) Homeowner's exemption	$115,835 (+3%)	$216,517 (-3.08%) Land $29,160 Building $187,357
2022	$1,126.00 Homeowner's exemption	$112,461	$223,409 Land $29,160 Building $194,249

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HILLIARD WTP serves 3,036 people · EPA ID FL2451179
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Windstream DSL	200 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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