3789 River Rd, Hilliard, FL 32046 Property Records

Nassau County property record for 3789 River Rd, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,938 sqft · built 2020
Lot Size	6.65 acres (289,674 sqft)
Owner	Individual Name on File
Last Sale	$612,000 (Feb 2024)
Tax Bill	$7,013 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Nov 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-2N-23-0111-0002-0000`

Property Details

APN / Parcel Number

Primary APN	`14-2N-23-0111-0002-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,938 sqft Heated Area
Gross Area	2,640 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	289,674 sqft (6.65 acres)
Porch	Open Porch
Porch Area	218 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3789 RIVER RD
City	HILLIARD
State	FL
Zip	32046-5761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	LOT 2 CANDLEWOOD FARMS OR 2229/189
Legal Range	23E
Legal Township	02N
Legal Section	14
Legal Subdivision	CANDLEWOOD FARMS
Legal Lot Number	2
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	1
Census Block	1033
Census Tract	50508

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3789 RIVER RD, HILLIARD, FL 32046-5761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Nov 20, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Jun 1, 2020	Loan Modification, Mortgage FIRST FED'L SVGS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 20, 2024 · Amount on Record
Deed Sale	Feb 20, 2024 · Amount on Record
Prior Sale	Jul 29, 2019 · Amount on Record
Deed Document Number	0002695219
Deed Book / Page	2695 / 219
Record Updated	Jun 8, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 20, 2024
Property Address	3789 RIVER RD, HILLIARD, FL 32046-5761
Document Number	0026950219
Book / Page	2695 / 219
Map Reference	MB 2229 PGS 189 AND
Instrument Date	Feb 20, 2024
Instrument	202445004560
Transaction Type	Transfer
Record Updated	Mar 15, 2024
Title Company	GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TRUST INC

Transaction

Amount	Amount Recorded
Tax	$4,284.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54451 OGILVIE RD, CALLAHAN, FL 32011-7700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3789 RIVER RD, HILLIARD, FL 32046-5761

Mortgage

Document Number	202445004561
Date	Feb 20, 2024
Instrument	202445004561

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	0026950220
Date	Feb 20, 2024
Book Page	2695/220
Instrument	202445004561

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	8024 CALVIN HALL RD, INDIAN LAND, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	3789 RIVER RD, HILLIARD, FL 32046-5761
Transaction Type	Mortgage
Record Updated	May 9, 2022
Title Company	OSCEOLA LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023200731
Date	Nov 20, 2019
Book Page	2320/0731
Instrument	201945037071

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Dec 1, 2050

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	3789 RIVER RD, HILLIARD, FL 32046-5761
Document Number	0023671141
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3789 RIVER RD HILLIARD FL 320465761, HILLIARD, FL 32046-5761

Mortgage

Document Number	0023671141
Date	Jun 11, 2020
Book Page	002367/001141
Instrument	45017750

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,013.00 (+87.81%) Homeowner's exemption	$497,173 (+78.3%)	$503,337 (-0.83%) Land $129,675 Building $373,662
2024	$3,734.00 (+1.36%) Homeowner's exemption	$278,834 (+3%)	$507,541 (+15.02%) Land $151,620 Building $355,921
2023	$3,684.00 (+10.33%) Homeowner's exemption	$270,713 (+3%)	$441,274 (+27.77%) Land $151,620 Building $289,654
2022	$3,339.00 Homeowner's exemption	$262,828	$345,359 Land $79,800 Building $265,559

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 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	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Uniti Group DSL	10 / 1

May also be available: AT&T.

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