St Marys
Homes for Sale in Hilliard, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 1 closed sale in St Marys in Hilliard, FL, the most recent in July 2005. Across Hilliard as a whole, 62 homes closed in the last 12 months at a median of $282,500, 63 median days on market, with 23 homes for sale today. At that median and Nassau County's FY2025-26 rate of 13.28 mills, annual property tax runs about $3,750 ($3,250 with the full homestead exemption).
St Marys sits in Hilliard, out in the rural western reach of Nassau County. This is not a subdivision-and-clubhouse market; price here is driven by land, lot size, and the condition of the individual home far more than by any uniform comp set. Two properties on the same road can trade very differently based on acreage, outbuildings, well and septic, and how much work the house needs.
For buyers, that means underwriting each property on its own merits rather than trusting a neighborhood average. For sellers, presentation and honest condition disclosure carry real weight, because there is no dense stack of recent sales to anchor a number. Expect valuation to be a conversation, not a formula.
The 60-Second Overview
St Marys is a rural pocket of Hilliard in western Nassau County, where properties lean toward land and space rather than tract housing, and each listing tends to stand on its own.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who St Marys is best for.
Best for
- Buyers prioritizing acreage and privacy over proximity to services
- Buyers comfortable with rural systems like well and septic and the diligence they require
- Sellers with a distinctive property willing to market it on its own merits
Probably not for
- Buyers who want short commutes and dense retail and dining nearby
- Buyers who need a tight comp set to feel confident on price
- Buyers expecting HOA-managed amenities and uniform subdivision housing
The market around St Marys
St Marys is too small for its own price trend, so here is the market around it.
In ZIP 32046, 59 homes are on the market and 20% are under contract — a steady corner of Hilliard.
Across Nassau County, 513 homes are active and 206 pending (29% under contract).
ZIP and county figures describe the wider market, not St Marys specifically. Momentum Research analysis of MLS records.
The St Marys buying strategy.
If we were buying in St Marys today, this is the order of operations we would run for our clients.
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.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
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 St Marys.
Land-driven, lot by lot
The defining feature out here is acreage and rural infrastructure. Buyers should plan to verify the basics that suburban shoppers take for granted: well and septic condition, road frontage and access, flood and wetland considerations, and what the land can actually be used for. These items move value more than finish level does.
Because inventory is thin and varied, comparable sales are limited and often not truly comparable. That cuts both ways — a well-prepared listing can command attention with little competition, while a buyer needs patience and a willingness to act when the right parcel appears rather than waiting for a perfect match.
The location and the amenities are priced into every listing in St Marys. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Rural Nassau County rewards local diligence. We help buyers pull the right due diligence on land, access, and systems, and we help sellers price a property that has few clean comps by focusing on what actually differentiates it. In a market this individualized, the work happens property by property — and that is exactly how we approach it.
St Marys in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a St Marys buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed St Marys sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Marys, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St Marys home worth?
Get a no-obligation home value based on real comparable sales in St Marys, 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 →
Should you buy in St Marys?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2005 (1 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.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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The real cost & risk here
Before the list price, the Florida math the portals skip. These are Nassau County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Nassau County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.