49184 River Bluff Rd, Hilliard, FL 32046 Property Records

Nassau County property record for 49184 River Bluff Rd, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,014 sqft · built 2019
Lot Size	1.45 acres (63,162 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2018)
Tax Bill	$4,283 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2022 Line of Credit + 4 more
Flood Zone	Zone A (high risk)
APN	`49-4N-25-4201-0006-0000`

Property Details

APN / Parcel Number

Primary APN	`49-4N-25-4201-0006-0000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,014 sqft Heated Area
Gross Area	2,594 sqft
1st Floor Area	2,014 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	63,162 sqft (1.45 acres)
Porch	Porch
Porch Area	580 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	49184 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 6 & TRACT A ACCESS RESERVED BY DEVELOPER IN OR 2213/1299 KINGS PLANTATION PB 6/235
Legal Range	25E
Legal Township	04N
Legal Section	49
Legal Subdivision	KINGS PLANTATION
Legal Tract	A
Legal Lot Number	6,TRAC
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2001
Census Tract	50402

Owner

Source: Nassau County records · APN 49-4N-25-4201-0006-0000

Assessment roll updated July 1, 2025 · Last verified February 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTLINE MORTGAGE INC
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Jan 08, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTLINE MORTGAGE INC
Apr 08, 2019	Loan Modification, Mortgage FIRST FED'L SVGS BK
Jul 26, 2018	Warranty Deed, Construction Loan FIRST FSB/FL
Jan 11, 2018	Warranty Deed, Transfer · Conventional with PMI ALLISON LANDS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 26, 2018 · Amount on Record
Deed Sale	Jul 26, 2018 · Amount on Record
Prior Sale	Jan 11, 2018 · Amount on Record
Deed Document Number	201823188
Deed Book / Page	2213 / 1299
Record Updated	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Transaction Type	Mortgage
Record Updated	Aug 03, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180

Mortgage

Document Number	0024271921
Date	Jan 26, 2021
Book Page	2427/1921
Instrument	202145002647

Lender

Name	TRUSTLINE MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32257

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Transaction Type	Mortgage
Record Updated	Aug 03, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180

Mortgage

Document Number	0025711847
Date	Jun 21, 2022
Book Page	2571/1847
Instrument	202245022003

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 01, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023300983
Date	Jan 08, 2020
Book Page	2330/0983
Instrument	202045000646

Lender

Name	TRUSTLINE MORTGAGE INC
Type	Mortgage Company
Address	JACKSONVILLE, FL 32257

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0022671433
Instrument Date	Apr 08, 2019
Transaction Type	Mortgage
Record Updated	May 07, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	49184 RIVER BLUFF RD HILLIARD FL 320466180, HILLIARD, FL 32046-6180

Mortgage

Document Number	0022671433
Date	Apr 12, 2019
Book Page	002267/001433
Instrument	45011501

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

July 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 26, 2018
Property Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0022131299
Book / Page	002213 / 001299
Instrument Date	Jul 24, 2018
Instrument	23188
Transaction Type	Construction Loan
Record Updated	Aug 02, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55584 DEER RUN RD CALLAHAN FL 320115531, CALLAHAN, FL 32011-5531

Mortgage

Document Number	22131301
Date	Jul 26, 2018
Book Page	002213/001301
Instrument	23189

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jan 11, 2018
Property Address	49184 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0021691603
Book / Page	002169 / 001603
Instrument Date	Jan 10, 2018
Instrument	1137
Transaction Type	Transfer
Record Updated	Jan 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 545 HILLIARD FL 320460545, HILLIARD, FL 32046-0545

Mortgage

Document Number	21691605
Date	Jan 11, 2018
Book Page	002169/001605
Instrument	1138

Lender

Name	ALLISON LANDS INC
Address	96034 SANDY POINTE CIR, FERNANDINA BEACH, FL 32034-6956

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Jan 10, 2023

Tax Assessment & Valuation

Source: Nassau County records · Assessment roll updated July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,283.00 (+1.32%) Homeowner's exemption	$319,355 (+2.9%)	$549,444 (+17.46%) Land $150,000 Building $399,444
2024	$4,227.00 (+1.32%) Homeowner's exemption	$310,355 (+3%)	$467,765 (+2.66%) Land $150,000 Building $317,765
2023	$4,172.00 (+10.2%) Homeowner's exemption	$301,316 (+3%)	$455,663 (+19.56%) Land $150,000 Building $305,663
2022	$3,786.00 Homeowner's exemption	$292,540	$381,114 Land $150,000 Building $231,114

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 71% of Georgia
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 41 locations within half a mile of this property.

Cell Coverage

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

Nearby Properties on River Bluff Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures