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Sold·Closed Aug 29, 2025·52 days on market
54038 Charles Street
Callahan, FL 32011
About this home
Callahan
Back on the market due to no fault of Seller with a 15K Price Improvement!! This home has just been updated with LVP Flooring, New Vanities in bathrooms, New lighting fixtures,New Bladder tank for well, and AC is approximately 5 yrs old. Home is situated on a generous 1.41 acre lot. The Main Home has 1816 sq ft under roof including 3 Bedrooms, a Very Large Great Room, separate Dining Room, oversized entry way, 2 additional rooms off the back of the home that may could be used as 4th or 5th Bedrooms. The Laundry Room also includes a washer and dryer. The 422 sq ft Garage is heated and cooled with an additional 1010 sq ftg with a large Laundry Room that includes a W&D. There are multiple rooms attached to the garage building to use for storage, such as office/flex space/Gym area (Home Gym included), Kitchen and so much more!! The property is zoned RM potentially allowing the property to be split and a 2nd home built which offers a potential multigenerational opportunity. Don't miss
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Metal, Shingle — year not disclosed (home built 1963)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,489 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis 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.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 21 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 3 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 4 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 3 mi · Thomas Creek
Closest youth league fields
Dinsmore Park and Community Centerabout 8 mi · Baseball, Softball
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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $2,862/yr
Estimated taxes if purchased at asking price: ~$5,200/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
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 $200/sq ft; this home is listed at $135/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 44108 Becker Avenue, Callahan, FL 32011Listed by PALM CREEK PROPERTIES | Feb 2026 | $368,000 | $155 | 4/3.5 | 2,369 | 22 | 0.1 |
| 44079 Lee Drive, Callahan, FL 32011Listed by LPT REALTY LLC | Jan 2026 | $250,000 | $116 | 5/3 | 2,160 | 34 | 0.2 |
| 54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $350,000 | $201 | 3/2 | 1,744 | 5 | 0.3 |
| 54130 Church Road, Callahan, FL 32011Listed by REMI REALTY, LLC | May 2026 | $457,000 | $264 | 3/2 | 1,728 | 6 | 0.5 |
| 44364 Pinebreeze Boulevard, Callahan, FL 32011Listed by CHAD AND SANDY REAL ESTATE GROUP | Dec 2025 | $465,650 | $200 | 4/3 | 2,329 | 56 | 0.6 |
| 44046 Cross Creek Boulevard, Callahan, FL 32011Listed by REAL BROKER LLC | Oct 2026 | $320,000 | $165 | 4/2 | 1,944 | 33 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH REALTY
Sold by: PALM CREEK PROPERTIES (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 29, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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