
MIDDLE ROAD, HILLIARD, FL, 32046
Active3 days on marketListed Sep 17, 2026MLS #OM732425
About this home
MIDDLE ROAD
This vacant tract offers a rare combination of accessibility and true backcountry character, making it a strong candidate for buyers seeking a dedicated hunting, fishing, or recreation property. Road frontage runs along the west side of the property, providing straightforward access for a truck, trailer, or future gate and driveway, while the north boundary butts directly up to the Little St. Marys River, putting scenic water frontage right on the property line. Despite being in the wetlands, the property is accessible and walkable, making it easy to explore on foot rather than sitting untouched on a map. Large oaks are scattered throughout, and toward the center the terrain opens up into open areas that break up the wetland cover and add variety to the landscape. That mix of mature oaks, open pockets, and dense wetland habitat is exactly the kind of terrain that holds wildlife, and it shows: deer, hogs, turkeys, and waterfowl are all found on the property, giving a hunter genuine variety without leaving the tract. The Little St. Marys River frontage along the north side adds another dimension beyond hunting, with fishing an option right from the property itself. Paired with the road frontage on the west side, the property strikes a practical balance: reachable and walkable, yet still a true wetland environment shaped by the river system it borders. Because the property sits entirely within wetlands, it's best suited to recreational and conservation-minded use rather than conventional development, which is exactly where its value lies for the right buyer. Whether the goal is a private hunting camp, a spot to fish the river, or simply a place to walk the oaks and open ground, this tract delivers a natural setting that's becoming harder to find in the area. For anyone in the market for a Nassau County property built around wildlife habitat, river access, and hands-on usability rather than rooftops, this is worth a serious look. It's a straightforward piece of land — road access on one side, river frontage and fishing on the other, oaks and open ground through the middle, and deer, hogs, turkeys, and waterfowl throughout.
Facts & features
The home at a glance
16 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$958 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$958/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Hilliard
Get to know Hilliard. See the full Hilliard guide →
HILLIARD 32046 — neighborhood snapshot
Population
11,259
Median age
36.6
Median income
$71,750
Median home value
$214,600
Avg household
2.94
Households w/ children
1,485
The numbers that matter
The Hilliard market
$561K → $175K
Hilliard median sold, yr/yr
99.9%
Sale-to-list ratio (12 mo)
Median sold price, Hilliard, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below the HILLIARD 32046 median. See the full Hilliard market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about MIDDLE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for MIDDLE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
MIDDLE ROAD FAQs
What would the monthly payment be for MIDDLE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $958/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on MIDDLE ROAD?+
The most recent tax bill on record (2025) was $77. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hilliard?+
At $125,000, this home is listed about 83% below the Hilliard median of $724,900. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the HILLIARD 32046 market on paper
$125,000 is 29% below the HILLIARD 32046 median of $175,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Hilliard market that averages 184 — if it fits, move quickly.
Listing courtesy of WHITETAIL PROPERTIES REAL ESTATE · Cody Worley. MLS #OM732425.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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