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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold·Closed Sep 4, 2025·130 days on market

45311 Ingleham Circle

Callahan, FL 32011

$321,000sold priceListed at $319,900 · 100.3% of asking$196/sqftMLS# 2077939
3
Beds
2
Baths
1,640
Sq Ft
2007
Built
2
Garage
Yes
Pool
HOA $20/mo6,534 sqft lotSingle Family Residence1 story

About this home

Callahan

Welcome to this beautifully updated 3-bedroom, 2-bathroom, 2-car garage, fenced yard home in the desirable Amhurst Oaks community. HVAC & ROOF are negotiable. Each of the bedrooms have spacious walk-in closets, providing plenty of storage space. The exterior of the home was freshly painted in 2023. Step outside and enjoy your very own semi above-ground pool, complete with a large deck, painted in 2025, and a brand-new outdoor pergola — an ideal spot for relaxing and entertaining guests. Inside, the home boasts luxury vinyl plank flooring throughout, giving it a modern and cohesive look. The fully remodeled kitchen features a stunning quartz island and a large walk-in pantry for ample storage. Master bathroom has been thoughtfully remodeled. For year-round comfort, the Florida sunroom is complete with a mini-split unit with both AC and heat. 2023 water heater. Don't miss the chance to make this move-in ready home yours!!!

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$1,778
Property taxesest. at asking price, Nassau County$443
HOAbilled annually$20
Estimated total, before insurance$2,241/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

$321,000
$64,200
Loan Term
Monthly Payment
$1,778
Principal & Interest: $1,778
Property taxes (est.): $443
Insurance (est.): $214
Estimated Total Monthly
$2,435
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2007)

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

Solar potential: ~1,708 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $196/sq ft; this home is listed at $195/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
45314 Ingleham Circle, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCNov 2025$329,000$1774/21,85660
45522 Ingleham Circle, Callahan, FL 32011Listed by UNITED REAL ESTATE GALLERYDec 2025$325,000$1754/21,85670.1
45394 Ingleham Circle, Callahan, FL 32011Listed by WATSON REALTY CORPNov 2025$260,000$2003/21,300820.1
45397 Ingleham Circle, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2025$287,500$1883/21,526330.1
45575 Ingleham Circle, Callahan, FL 32011Listed by RE/MAX BLUE COASTOct 2025$255,000$1963/21,300770.1
45035 James Street, Callahan, FL 32011Listed by KELLER WILLIAMS FIRST COAST REALTYMar 2026$285,000$2223/21,284520.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$319,900
Price / Sq Ft$195
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,640
Acres0.15 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesAbove Ground
Is WaterfrontNo

Community Information

Address45311 Ingleham Circle, Callahan, FL 32011
Area490-Callahan
SubdivisionAmhurst Oaks
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size6,534 sq ft
Lot Dimensions60x110
Parcel Number512N25015A01320000

Amenities

AmenitiesPlayground
Community FeaturesSidewalks, Street Lights
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air, Split System
FlooringLaminate
# of Stories1
LevelsOne
LaundryIn Garage

Exterior

FencingFenced
RoofShingle
Other StructuresOther
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 28, 2025
Days on Market130
HOA Fees$240 / Annually
HOA FrequencyAnnually
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LPT REALTY LLC

Sold by: KST GROUP LLC (buyer's brokerage)

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 Sep 4, 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

Is this home priced right?

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