37165 Lorena Dr, Hilliard, FL 32046 Property Records

Nassau County property record for 37165 Lorena Dr, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,577 sqft · built 2002
Lot Size	0.334 acres (14,561 sqft)
Owner	2 Owners on Record
Tax Bill	$1,828 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-3N-24-1270-0020-0000`

Property Details

APN / Parcel Number

Primary APN	`16-3N-24-1270-0020-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,577 sqft Heated Area
Gross Area	2,684 sqft
1st Floor Area	1,577 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,561 sqft (0.334 acres)
Garage Area	483 sqft

Exterior Amenities

Pool Area	448 sqft
Porch	Open Porch
Porch Area	624 sqft
Patio Area	263 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	37165 LORENA DR
City	HILLIARD
State	FL
Zip	32046-7717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 20 IN OR 1109/46 ESMTS PT OR 899/471 & 474 LORENA SUB PB 5/313
Legal Range	24E
Legal Township	03N
Legal Section	16
Legal Subdivision	LORENA SUB
Legal Lot Number	20
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2018
Census Tract	50401

Owner

Source: Nassau County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owners on Record
Mailing Address	37165 LORENA DR, HILLIARD, FL 32046-7717
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 22, 2003
Transfer Doc	0011090040
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	37165 LORENA DR, HILLIARD, FL 32046-7717
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026010379
Date	Nov 7, 2022
Book Page	2601/379
Instrument	202245037243

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2037

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	37165 LORENA DR, HILLIARD, FL 32046-7717
Document Number	0021040564
Book / Page	002104 / 000564
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Mar 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	37165 LORENA DR HILLIARD FL 320467717, HILLIARD, FL 32046-7717

Mortgage

Document Number	0021040564
Date	Mar 2, 2017
Book Page	002104/000564
Instrument	6303

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	$1,828.00 (+3.22%) Homeowner's exemption	$151,008 (+2.9%)	$264,798 (+3.78%) Land $24,000 Building $240,798
2024	$1,771.00 (+3.57%) Homeowner's exemption	$146,752 (+3%)	$255,142 (+2.98%) Land $22,000 Building $233,142
2023	$1,710.00 (+11.33%) Homeowner's exemption	$142,478 (+3%)	$247,764 (+19.17%) Land $22,000 Building $225,764
2022	$1,536.00 Homeowner's exemption	$138,328	$207,904 Land $22,000 Building $185,904

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 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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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