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Sold·Closed May 2, 2025·145 days on market

34420 Daybreak Drive

Callahan, FL 32011

$835,000sold priceListed at $895,000 · 93.3% of asking$185/sqftMLS# 2056230
4
Beds
3.5
Baths
4,505
Sq Ft
2009
Built
6
Garage
Yes
Pool
No HOAWaterfrontSingle Family Residence2 stories

About this home

Callahan

The seller is offering a home warranty. PRE QUAL RQRD prior to Showing. This spacious custom home on a large pond-front lot offers exceptional features inside and out. The kitchen is a chef's dream with granite countertops, a commercial gas stove, a walk-in pantry, a prep island with a sink, a dual-zone fridge, double convection ovens, and more. The open family room includes custom-built cabinets and a wet bar, while a butler's pantry connects to the formal dining room. The home includes multiple bonus rooms, walk-in closets in bedrooms, a theater room, laundry rooms in upper and lower levels. The luxurious primary suite boasts dual walk-in closets, a spa-like bathroom with a double shower, an air-jetted tub, and a hidden TV. Outdoor living shines with a paved patio, pool flush with the porch, a breezeway to the fire pit, a gazebo, RV power connection ready and three 2-car garages. Spray foam insulation, Tankless water heater, and Generator services entire house. Thoughtfully designed

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,625
Property taxesest. at asking price, Nassau County$1,153
Estimated total, before insurance$5,778/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$835,000
$167,000
Loan Term
Monthly Payment
$4,625
Principal & Interest: $4,625
Property taxes (est.): $1,153
Insurance (est.): $557
Estimated Total Monthly
$6,335
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2009)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,727 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Nov 22, 2024Listed$895,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$895,000
Price / Sq Ft$199
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage4,505
Year Built2009
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary, Multi Generational
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages6
Has PoolYes
Pool FeaturesIn Ground
Is WaterfrontYes

School Information

ElementaryCallahan
MiddleCallahan

Community Information

Address34420 Daybreak Drive, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionMorning Dove Estates
CityCallahan
CountyNassau
StateFL
Zip Code32011
Parcel Number011N24137000170000

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected, Other
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesConvection Oven, Dishwasher, Double Oven, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Wine Cooler
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Upper Level, Washer Hookup

Exterior

Exterior FeaturesBalcony, Fire Pit
Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchRear Porch
RoofShingle
ConstructionStucco
Other StructuresGazebo, Workshop

Additional Information

Date ListedNovember 22, 2024
Days on Market145
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 2, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

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