Hilliard Terrace in Hilliard

Hilliard Terrace
Homes for Sale in Hilliard, FL

All 59 homes for sale in Hilliard, FL · median $375,000 · 57 homes for sale in 32046 · Nassau County homes for sale

Community in Hilliard · Nassau County · ZIP 32046
102 homesBuilt 1912–2024Median sale $300K
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True comps, carrying-cost math, and listings before the portals.

Photo courtesy of FLORIDA HOMES REALTY & MTG LLC · via realMLS

Built fromLive realMLS data18 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Hilliard Terrace in Hilliard, FL has 20 homes for sale and 7 pending, asking from $239,000 to $899,000 (median $349,000). Over the 12 months ending 2026-10-20, 7 recorded sales closed at a median of $300,000, $194 per square foot, a median 30 days on market, sellers accepting 96% of original asking (+7% versus the prior year). Homes listed or recently sold were built 1940–2026 with 10 new construction; 5 of 39 report an HOA (median $135/mo); 2 of the 39 geocoded homes sit in a FEMA special flood hazard zone (median elevation 77 ft). At the median price and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $3,980 ($3,480 with the full homestead exemption).

Last 30 days in Hilliard Terrace: 3 new listings (median asking $320,000), 7 under contract right now, 3 closed sales (median $215,000). As of October 20, 2026, realMLS.

Live · Hilliard Terrace Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$300K ▲
Median sold · 12 mo
up 6.8% vs the prior 12 months
+6.8% ▲
1-yr price change
n = 7 and 5 sales in the two windows
$194/sf
Sold $/sqft · 12 mo
peak $204 in 2025
95.6%
Sale vs ask
Nassau median: 96.0%
Tempo
6.2mo
Supply
3 to 6 months is the balanced band
30days
Median DOM · closed
30 days at the 2026 low
26%
Under contract
Nassau: 24% (186 of 766)
20 · 7
For sale · pending
live counts, refreshed twice daily
7
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
66%
Owner-occupied · Hilliard Terrace
73 of 110 parcels homesteaded (FL DOR 2025)
34%
Non-owner-occupied · Hilliard Terrace
incl. 6% trust or LLC-held · 3% out-of-state
102
Homes in the community
plus 8 vacant residential lots · 110 residential parcels (FL DOR 2025)
Track record · 18 years of records
5
Recorded sales · 2024-2025
median $222K · qualified sales on the county roll (FL DOR 2025)
1912–2024
Years homes were built
median 1986 · county roll (FL DOR 2025)
1,500sqft
Median sold home size
12-mo windows, closed sales
6.9%/yr
Turnover rate
about 7 of 102 homes trade a year

Homes For Sale Right Now in Hilliard Terrace

Live MLS inventory for Hilliard Terrace. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Hilliard Terrace listings as of 2026-10-20, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 15, 2026

Hilliard Terrace's numbers tell a story of a community built in layers: homes here range from a 1912 build to one finished in 2024, with a median year built of 1976 and a median living area of 1,795 square feet. That kind of span means the market here is priced far more on condition, updates, and lot specifics than on a single era's floor plan — a $300,000 median and $204.37 per square foot reflect a wide mix rather than a uniform product.

Right now the posture favors sellers: 2.7 months of supply against just 8 active listings out of 141 total homes puts this squarely in seller-leaning territory, and the median 30 days on market backs that up. Prices are up 6.8% year over year, which tells a buyer to move with intent once a well-priced, well-maintained listing appears rather than wait it out.

Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Hilliard Terrace Housing Pulse · Momentum Research · as of October 20, 2026

Hilliard Terrace right now

🟢 Buyer-leaning market. 6.2 months of supply and 26% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 20, 2026. Confidence: Very High (27 active and pending listings, 7 closed sales in 12 months).

🟡 Still climbing. The trailing-12-month median ($300K) is up 6.8% from the prior 12 months ($281K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 20. Confidence: Low (7 and 5 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 20, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Hilliard Terrace market snapshot (as of October 20, 2026): the median sale price is about $300K ($194 per sq ft over the trailing 12 months of closed sales), a median 30 days on market for closed sales, and 6.2 months of supply, a buyer-leaning market. The trailing-12-month median is up 7% from the prior 12 months, computed from record-level realMLS closed sales (7 closings in the current window).

In ZIP 32046 (Hilliard), 71 homes closed in the last 12 months at a median of $290K ($178/sq ft), down 4.2% year over year, with a median 58 days on market. Right now 26 active and 9 pending listings put supply at about 4.4 months — a balanced market. See the live ZIP 32046 housing market and the Nassau County market.

County records show 5 qualified sales in Hilliard Terrace across 2024–2025 (4 in 2024, 1 in 2025), median $222,500 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in Hilliard Terrace: of 32 listing addresses checked against the FEMA National Flood Hazard Layer, 94% sit outside the FEMA Special Flood Hazard Area (Zone X); 6% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov.

Hilliard Terrace is a community of 102 homes in Hilliard, Nassau County, built between 1912 and 2024 (median 1986.0), with a median living area of about 1,812 square feet. 66% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

Hilliard Terrace pairs a gated setting — a security gate and security lighting are reported amenities, alongside fishing access — with a homestead share of 60.8%, an indicator of owner-occupancy in this pocket of Hilliard.

Best for

  • A buyer comfortable evaluating each home's condition individually given the wide 1912-2024 construction range.
  • A buyer targeting a purchase near the $300,000 median who can move decisively in a 2.7-months-of-supply, seller-leaning market.
  • A buyer who values gated access, security lighting, and fishing access as part of the package.

Probably not for

  • A buyer who wants a large pool of active listings to compare — only 8 homes are currently on the market.
  • A buyer set on a specific, narrow build era rather than a mix spanning 1912 to 2024.
  • A buyer who needs heavy price negotiation room given the current 6.8% year-over-year gain and seller-leaning posture.

Price History: What Homes Here Have Actually Sold For

Median sale price over the trailing 12 months ending October 20 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($300K) IS the median in the snapshot above, and the move from 2025 ($281K) IS the +6.8% one-year change.

Windows contain 0 to 7 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.

Homes sold per 12-mo window
024620122014201620182020202220242026
0 to 7 a year; 7 in the current window.
How much local inventory is already under contract

26% of homes for sale in Hilliard Terrace are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).

Hilliard Market Scorecard

Buyer's market

Hilliard is currently a buyer's market. About 6.2 months of supply, a median asking price of $349,000, and homes go under contract in about 86 days.

6.2
Months supply
$349,000
Median list
$275,000
Median sold
$220
Per sqft
86
Days on mkt
20/7/39
Active/Pend/Sold

Typical home value in the 32046 ZIP is $359,689, right around the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Listing locations from realMLS. Map data © OpenStreetMap contributors.

Hilliard Terrace

Community amenities as reported across realMLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.

The takeaway

Everyday stops around Hilliard Terrace are close: the nearest dining is about 1 minutes away.

Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.

Nearby Communities

Explore more neighborhoods near Hilliard Terrace with Momentum Realty’s local guides.

Hilliard Hilliard Nassau0.6 mi away · median $270K, 32 sales/12 moCHCedar Haven0.9 mi away · 35 homes, built 1989–18, 1 for salePleasant Park1.1 mi away · median $290K, 5 sales/12 moCSCornwell Survey1.7 mi away · 36 homes, built 1948–23Lorena1.7 mi away · 24 homes, built 1989–02SGSouthern Glen1.8 mi away · 31 homes, built 2004–05, 1 for sale

Browse all neighborhood guides →

Schools

In short
  • Nassau County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Hilliard Elementary SchoolFLDOE grade A · Public PreK-5
  • Hilliard Middle-Senior High SchoolFLDOE grade A · Public 6-12

Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Nassau County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Hilliard Terrace address.

If we were buying in Hilliard Terrace today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Hilliard Terrace.

Best Buy
Buyers who want a gated, established Hilliard pocket and are comfortable evaluating homes case-by-case rather than by a uniform build era.
Biggest Risk
With homes built between 1912 and 2024, condition and update history vary enormously from one listing to the next.
Sweet Spot
A well-maintained home near the $300,000 median and 1,795-square-foot median size, priced around $204.37 per square foot.
Avoid If
Avoid if you need a wide pool of comparable listings to shop — only 8 homes are currently active here.

The Math Behind Hilliard Terrace

With only 8 homes actively listed against a base of 141, competition for anything priced right is real, and the 2.7-months-of-supply reading confirms this is a seller-leaning market rather than a balanced one. A median 30 days on market is not fast by every standard, but combined with thin active inventory it signals that homes priced and presented correctly are not sitting long.

The 6.8% year-over-year gain sits on top of a base already shaped by a wide construction era — 1912 through 2024 — so pricing here happens block by block and home by home rather than off a single template. At $204.37 per square foot on a $300,000 median and roughly 1,795 square feet of living space, the gated access, security lighting, and fishing amenities carry real weight alongside the structure itself.

“

The location and the amenities are priced into every listing in Hilliard Terrace. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
6.3B- · Buy Score
Recent Direction7.7/10
Liquidity & Demand3.8/10
Owner Commitment6.6/10
Pricing Power7.1/10

Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.3). Basis: Recent Direction +6.8% year-over-year; Liquidity & Demand 6.2 months of supply; Owner Commitment 66% owner-occupied; Pricing Power 95.6% sale-to-list. Refreshed with each data update.

Why work with Momentum here

In a market with only 8 active listings across 141 homes and a construction era spanning 1912 to 2024, pricing a home in Hilliard Terrace correctly takes more than a neighborhood average — it takes knowing which block, which build year, and which gated-access details actually move the number. Momentum tracks this community's live inventory and closed data directly, so sellers price to the current 2.7-months-of-supply reality and buyers know when a listing near the $300,000 median is actually a deal.

Hilliard Terrace in 15 seconds.

Best forBuyers who want a gated, established Hilliard pocket and are comfortable evaluating homes case-by-case rather than by a uniform build era.
Biggest advantageThin inventory and a 2.7-months-of-supply reading currently favor sellers.
Biggest riskWith homes built between 1912 and 2024, condition and update history vary enormously from one listing to the next.
Sweet spotA well-maintained home near the $300,000 median and 1,795-square-foot median size, priced around $204.37 per square foot.
Avoid ifAvoid if you need a wide pool of comparable listings to shop — only 8 homes are currently active here.

What it really costs to own in Hilliard Terrace

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

Property taxCurrent owners' bills run a median of $1,729/yr across 10 listings here (MLS tax records, 2026-10-20). Buy at today's median asking price of $349,000 and the first-year bill resets to about $4,100 with homestead (Nassau County total millage 13.2757 mills, FY2025-26, Nassau County Property Appraiser, FY2025-26 adopted budget); municipal and district millage vary within the county.
Home and flood insuranceThe average Citizens Property Insurance premium in Nassau County is $1,159/yr (389 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 32 listing addresses checked against the FEMA flood map, 94% sit outside the high-risk zone and 6% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes).
Roof and ageMedian build year 1996 across 12 listings. An original roof here would be about 30 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails.

Email me new listings in Hilliard Terrace

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Hilliard Terrace

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Hilliard Terrace will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Hilliard Terrace homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Hilliard Terrace.
In short
  • No CDD
  • HOA reported ~$135/month

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

Page states no CDD.

Flood & Insurance Context

Of 14 sampled listing addresses: 86% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 14% in an A-series SFHA zone.

Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.

Source: FEMA National Flood Hazard Layer, address-level lookups (n=14) · as of 2026-08

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Hilliard Terrace sales matched to your home.

What is your Hilliard Terrace home worth?

Get a no-obligation home value based on real comparable sales in Hilliard Terrace, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See all homes for sale in Hilliard →

Real comps, not an automated estimate.

Recently off market in Hilliard Terrace

Homes in Hilliard Terrace that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 17 on record.

Hilliard Terrace key facts
LocationHilliard, Nassau County, FL · ZIP 32046
Homes in the community102 (FL DOR 2025 assessment roll)
Years built1912–2024 (median 1986.0)
Typical living area1,812 sq ft (median)
Home types (current listings and sales)single-family 59%, manufactured homes 23%, mobile homes 18%
Amenities listed by sellersOther, Park, Carbon Monoxide Detector(s), Curbs, Fire Alarm, Fishing
Sale prices, last 12 months$300,000 median across 7 closed sales · $194 per sq ft · +6.8% vs the prior 12 months
Days on market (closed sales)30 median
For sale right now20 active, 7 pending · median asking $349,000 · 6.2 months of supply
Owner-occupied (homestead) share66%
Zoned public schoolsHilliard Elementary School (A, FLDOE 2025-26); Hilliard Middle-Senior High School (A, FLDOE 2025-26)

Data as of October 20, 2026. Data provided by realMLS; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Hilliard Terrace key facts,” movewithmomentum.com/neighborhoods/hilliard-nassau, data as of October 20, 2026.

Just listed in Hilliard Terrace

The newest homes for sale in Hilliard Terrace right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS Oct 20, 2026. All new listings in this market.

Every Home for Sale in Hilliard Nassau Right Now (27)

All 27 active and pending Hilliard Nassau listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Frequently Asked Questions

What is the median home price in Hilliard Terrace?
The median sale price in Hilliard Terrace was $300K over the 12 months ending October 20, 2026 (7 closed sales, realMLS).
How long do homes in Hilliard Terrace take to sell?
Homes that closed in the 12 months ending October 20, 2026 took a median 30 days on market (7 sales, realMLS).
Is Hilliard Terrace a buyer's or seller's market right now?
As of October 20, 2026, Hilliard Terrace leans toward buyers: 6.2 months of supply at the current sales pace (realMLS live counts).
How many homes are in Hilliard Terrace?
The Florida DOR 2025 assessment roll shows 102 homes plus 8 vacant residential lots in Hilliard Terrace (public records).
What share of Hilliard Terrace is owner-occupied?
66% of Hilliard Terrace parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Hilliard Terrace built?
Homes in Hilliard Terrace were built between 1912 and 2024, with a median year built of 1986.0 (FL DOR 2025 roll).
What schools serve Hilliard Terrace?
Hilliard Terrace is served by Nassau County Public Schools, typically Hilliard Elementary School and Hilliard Middle-Senior High School. Confirm the exact zoning by address with the district.
Who is the best real estate agent for Hilliard Terrace?
The best agent for Hilliard Terrace is one who actively works Hilliard and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Hilliard Terrace.
How do I find a top Hilliard real estate agent who knows Hilliard Terrace?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Hilliard Terrace and the wider Hilliard area.
Can Momentum Realty connect me with an agent for Hilliard Terrace?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Hilliard Terrace purchase or sale - no call center and no pressure.
Where is Hilliard Terrace, and what county is it in?
Hilliard Terrace is in Hilliard, Nassau County, FL, ZIP 32046. The community's center is about 12 miles northwest of the center of Hilliard (straight-line).
How far is Hilliard Terrace from downtown Jacksonville and the beach?
About 30 miles from downtown Jacksonville and about 29 miles from the Atlantic beach at Fernandina Beach, both straight-line; driving distance is usually 15 to 30 percent more.
Is Hilliard Terrace in a flood zone?
Partly. Of 32 homes we sampled in Hilliard Terrace, 94% sit outside a FEMA Special Flood Hazard Area (Zone X) and 6% are inside one (Zone A or AE), where a lender requires flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map before you close; the flood section on this page shows the community's mix.
Is Hilliard Terrace a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Hilliard Terrace: the median sale price over the last 12 months was $300K (7 sales), 3% above the Hilliard median of $290K; homes took a median 30 days to go under contract; the assessment roll counts 102 homes, 66% of them homesteaded (owner-occupied); listings report Hilliard Elementary School (A), Hilliard Middle-Senior High School (A) as the zoned schools, with FLDOE grades for 2025-26; supply is 6.2 months at the current sales pace, which favors buyers. The full numbers, price history and the flood and school sections are above.
A buyer comfortable evaluating each home's condition individually given the wide 1912-2024 construction range.Excellent fit
A buyer targeting a purchase near the $300,000 median who can move decisively in a 2.7-months-of-supply, seller-leaning market.Excellent fit
A buyer who values gated access, security lighting, and fishing access as part of the package.Excellent fit
A buyer who wants a large pool of active listings to compare — only 8 homes are currently on the market.Probably not
A buyer set on a specific, narrow build era rather than a mix spanning 1912 to 2024.Probably not
A buyer who needs heavy price negotiation room given the current 6.8% year-over-year gain and seller-leaning posture.Probably not

Data sources & freshness

Live listingsrealMLS, refreshed twice daily (last: October 20, 2026)
Community market statsrealMLS closed sales, 12-month windows ending October 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (3 streets, ZIP 32046))
Under-contract sharesrealMLS records, as of 2026-10-20
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-sale records back to 2008 (27 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

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More on Hilliard Terrace

Thinking of selling in Hilliard Terrace? 7 recorded closings; median 30 days on market (window ending 2026-10-20). See the Nassau County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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