5438 River Rd, Hilliard, FL 32046 Property Records

Nassau County property record for 5438 River Rd, Hilliard, FL 32046

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,123 sqft · built 2024
Lot Size	4.46 acres (194,713 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2022)
Tax Bill	$11,004 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-2N-23-0000-0003-0140`

Property Details

APN / Parcel Number

Primary APN	`24-2N-23-0000-0003-0140`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,123 sqft Heated Area
Gross Area	4,705 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	194,713 sqft (4.46 acres)
Porch	Open Porch
Porch Area	760 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	5438 RIVER RD
City	HILLIARD
State	FL
Zip	32046-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PT SEC 24-2N-23E IN OR 2559/399 ESMT IN OR 2712/275
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	5438 RIVER RD, HILLIARD, FL 32046-5514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit DEEPHAVEN MORTGAGE LLC
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit DEEPHAVEN MORTGAGE LLC
Apr 29, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	202245015504
Deed Book / Page	2559 / 399
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	5438 RIVER RD, HILLIARD, FL 32046-5514
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5438 RIVER RD, HILLIARD, FL 32046-5514

Mortgage

Document Number	0028460037
Date	Feb 9, 2026
Book Page	2846/37
Instrument	202645003812

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	5438 RIVER RD, HILLIARD, FL 32046-5514
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5438 RIVER RD, HILLIARD, FL 32046-5514

Mortgage

Document Number	0028440601
Date	Jan 30, 2026
Book Page	2844/601
Instrument	202645002906

Lender

Name	DEEPHAVEN MORTGAGE LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28232

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 16, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 29, 2022
Property Address	5438 RIVER RD, HILLIARD, FL 32046-5514
Document Number	0025590399
Book / Page	2559 / 399
Instrument Date	Apr 22, 2022
Instrument	202245015504
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 8918, JACKSONVILLE, FL 32239-0918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8018 WEVER XING, SAN ANTONIO, TX 78250-3508

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	$11,004.00 (+502.63%) Homeowner's exemption	$757,202 (+547.9%) Land $134,100 Building $623,102	$757,202 (+547.9%) Land $134,100 Building $623,102
2024	$1,826.00 (-2.09%)	$116,870 (-) Land $111,750 Building $5,120	$116,870 (-) Land $111,750 Building $5,120
2023	$1,865.00 (+71.89%)	$116,870 (+61.96%) Land $111,750 Building $5,120	$116,870 (+61.96%) Land $111,750 Building $5,120
2022	$1,085.00	$72,160 Land $67,050 Building $5,110	$72,160 Land $67,050 Building $5,110

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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 73% of the US · above 57% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: AT&T, Verizon.

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