4522 River Rd, Hilliard, FL 32046 Property Records

Nassau County property record for 4522 River Rd, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,109 sqft · built 1989
Lot Size	4.15 acres (181,210 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Dec 2024)
Tax Bill	$4,798 (2025)
Deeds & Mortgages	May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`23-2N-23-0000-0002-0050`

Property Details

APN / Parcel Number

Primary APN	`23-2N-23-0000-0002-0050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,109 sqft Heated Area
Gross Area	2,766 sqft
1st Floor Area	1,677 sqft
Upper Floors Area	432 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Wood
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	181,210 sqft (4.15 acres)
Garage Area	441 sqft
Porch	Open Porch
Porch Area	597 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	4522 RIVER RD
City	HILLIARD
State	FL
Zip	32046-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PT OF NW1/4 OF NE1/4 IN OR 2754/1113
Legal Range	23E
Legal Township	02N
Legal Section	23
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	1
Census Block	1014
Census Tract	50508

Owner

Source: Nassau County records, as of January 26, 2026

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4522 RIVER RD, HILLIARD, FL 32046-5506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2024 · Amount on Record
Deed Sale	Dec 5, 2024 · Amount on Record
Prior Sale	Mar 15, 2016 · Amount on Record
Deed Document Number	202445034223
Deed Book / Page	2754 / 1113
Record Updated	Jun 8, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	4522 RIVER RD, HILLIARD, FL 32046-5506
Document Number	0022440392
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4522 RIVER RD HILLIARD FL 320465506, HILLIARD, FL 32046-5506

Mortgage

Document Number	0022440392
Date	Dec 18, 2018
Book Page	002244/000392
Instrument	45038824

Lender

Name	USAA
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2048

Interest

Rate	3.5%

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	$4,798.00 (+134.85%) Homeowner's exemption	$352,949 (+100.94%) Land $124,800 Building $228,149	$352,949 (+9.54%) Land $124,800 Building $228,149
2024	$2,043.00 (+1.9%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$175,650 (+3%)	$322,224 (+6.38%) Land $104,000 Building $218,224
2023	$2,005.00 (+11.27%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$170,534 (+2.94%)	$302,897 (+32.08%) Land $104,000 Building $198,897
2022	$1,802.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$165,663	$229,324 Land $62,400 Building $166,924

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 75% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Rd

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