49118 River Bluff Rd, Hilliard, FL 32046 Property Records

Nassau County property record for 49118 River Bluff Rd, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,228 sqft · built 2024
Lot Size	1.41 acres (61,462 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Apr 2023)
Tax Bill	$8,662 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2023 Construction Loan + 3 more
Flood Zone	Zone A (high risk)
APN	`49-4N-25-4201-0003-0000`

Property Details

APN / Parcel Number

Primary APN	`49-4N-25-4201-0003-0000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,228 sqft Living Area
Gross Area	2,795 sqft
1st Floor Area	2,228 sqft

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	61,462 sqft (1.41 acres)
Garage Type	Attached
Garage Area	567 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	49118 RIVER BLUFF RD
City	HILLIARD
State	FL
Zip	32046-6180
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	LOT 3 KINGS PLANTATION PB 6/235
Legal Range	25E
Legal Township	04N
Legal Section	49
Legal Subdivision	KINGS PLANTATION
Legal Lot Number	3
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2001
Census Tract	50402

Owner

Source: Nassau County records, as of July 21, 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
Mailing Address	4967 BAILEY HADDOCK LN, HILLIARD, FL 32046-6317
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Sep 15, 2023	Deed of Trust, Mortgage · Construction Mortgage BELL BANK
Apr 24, 2023	Deed, Transfer · Stand-Alone First Mortgage STRICKLAND FAMILY TRUST
Dec 5, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2023 · Amount on Record
Deed Sale	Apr 24, 2023 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	202311325
Deed Book / Page	2632 / 1711
Prior Transfer Date	Dec 5, 2022
Prior Transfer Doc	0026060220
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Recording Date	Jun 26, 2026
Property Address	49118 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0000019414
Book / Page	2877 / 1965
Instrument Date	Jun 22, 2026
Instrument	202619414
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49118 RIVER BLUFF RD, HILLIARD, FL 32046-6180

Mortgage

Document Number	0000019414,
Date	Jun 26, 2026
Book Page	2877/1965
Instrument	202619414

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	49118 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4967 BAILEY HADDOCK LN, HILLIARD, FL 32046-6317

Mortgage

Document Number	0026670605
Date	Sep 15, 2023
Book Page	2667/605
Instrument	202345028118

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jun 1, 2053

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 24, 2023
Property Address	49118 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0026321711
Book / Page	2632 / 1711
Map Reference	MB 6 PG 235&236
Instrument Date	Apr 12, 2023
Instrument	202345011325
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	TITLE OF AMERICA LLC, TITLETOWN OF AMERICA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49142 RIVER BLUFF RD, HILLIARD, FL 32046-6180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4967 BAILEY HADDOCK LN, HILLIARD, FL 32046-6317

Mortgage

Document Number	0026321713
Date	Apr 24, 2023
Instrument	2632/1713

Lender

Name	STRICKLAND FAMILY TRUST
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 1, 2033

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASSAU FL
Recording Date	Dec 5, 2022
Property Address	49118 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0026060220
Book / Page	2606 / 220
Map Reference	MB 6 PG 235&236
Instrument Date	Dec 5, 2022
Instrument	202245039777
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49142 RIVER BLUFF RD, HILLIARD, FL 32046-6180

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Oct 16, 2019
Property Address	49118 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0023121409
Book / Page	002312 / 001409
Instrument Date	Oct 15, 2019
Instrument	45033405
Transaction Type	Transfer
Record Updated	Nov 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$595.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	49142 RIVER BLUFF RD HILLIARD FL 320466180, HILLIARD, FL 32046-6180

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 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	$8,662.00 (+269.54%) Homeowner's exemption	$604,615 (+303.08%) Land $150,000 Building $454,615	$604,615 (+303.08%) Land $150,000 Building $454,615
2024	$2,344.00 (-2.09%)	$150,000 (-) Land $150,000	$150,000 (-) Land $150,000
2023	$2,394.00 (+6.12%)	$150,000 (-) Land $150,000	$150,000 (-) Land $150,000
2022	$2,256.00	$150,000 Land $150,000	$150,000 Land $150,000

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 24 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	24 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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Sparklight Cable	1,000 / 50
TDS Telecom DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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