49194 River Bluff Rd, Hilliard, FL 32046 Property Records

Nassau County property record for 49194 River Bluff Rd, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,287 sqft · built 2020
Lot Size	1.59 acres (69,260 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Dec 2017)
Tax Bill	$9,799 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2020 Construction Loan + 1 more
Flood Zone	Zone A (high risk)
APN	`49-4N-25-4201-0007-0000`

Property Details

APN / Parcel Number

Primary APN	`49-4N-25-4201-0007-0000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,287 sqft Heated Area
Gross Area	4,957 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	69,260 sqft (1.59 acres)
Porch	Open Porch
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	49194 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	ALL OF LOT 7 IN OR 2164/964 KINGS PLANTATION PB 6/235
Legal Range	25E
Legal Township	04N
Legal Section	49
Legal Subdivision	KINGS PLANTATION
Legal Lot Number	7
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 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
Mailing Address	49194 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Mar 5, 2020	Deed of Trust, Construction Loan · Construction Mortgage FNB SOUTH
Dec 14, 2017	Warranty Deed, Transfer AMELIA TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2017 · Amount on Record
Deed Sale	Dec 14, 2017 · Amount on Record
Prior Sale	Aug 1, 2013 · Amount on Record
Deed Document Number	201736709
Deed Book / Page	2164 / 0964
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	49194 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49194 RIVER BLUFF RD, HILLIARD, FL 32046-6180

Mortgage

Document Number	0024131409
Date	Dec 7, 2020
Book Page	2413/1409
Instrument	202045039285

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Recording Date	Mar 5, 2020
Property Address	49194 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0023440928
Book / Page	002344 / 000928
Instrument Date	Feb 21, 2020
Instrument	45007379
Transaction Type	Construction Loan
Record Updated	Jun 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 610 HILLIARD FL 320460610, HILLIARD, FL 32046-0610

Mortgage

Document Number	23440928
Date	Mar 5, 2020
Book Page	002344/000928
Instrument	45007379

Lender

Name	FNB SOUTH
Type	Bank
Address	ALMA, GA 31510

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 4, 2021

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 14, 2017
Property Address	49194 RIVER BLUFF RD, HILLIARD, FL 32046-6180
Document Number	0021640964
Book / Page	002164 / 000964
Instrument Date	Dec 13, 2017
Instrument	36709
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	AMELIA TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$1,015.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 610 HILLIARD FL 320460610, HILLIARD, FL 32046-0610

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	$9,799.00 (+1.19%) Homeowner's exemption	$678,679 (+2.9%)	$800,548 (+11.38%) Land $150,000 Building $650,548
2024	$9,684.00 (+1.05%) Homeowner's exemption	$659,552 (+3%)	$718,768 (+3.15%) Land $150,000 Building $568,768
2023	$9,583.00 (+9.67%) Homeowner's exemption	$640,342 (+3%)	$696,788 (+12.08%) Land $150,000 Building $546,788
2022	$8,738.00 Homeowner's exemption	$621,691 Land $150,000 Building $471,691	$621,691 Land $150,000 Building $471,691

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 58% of the US · lower than 68% 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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