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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

Sold·Closed Nov 24, 2025·130 days on market

540485 US Highway 1

Callahan, FL 32011

$300,000sold priceListed at $296,900 · 101% of asking$191/sqftMLS# 2094290
3
Beds
2
Baths
1,572
Sq Ft
1956
Built
1
Garage
No
Pool
No HOA1.00 acresSingle Family Residence1 story

About this home

Callahan

✨ PRICE ADJUSTMENT ✨ Welcome to your peaceful country retreat in Callahan. Nestled on a full acre with no HOA, this beautifully remodeled concrete block home blends charm and modern comfort. Inside, enjoy bright open living with new LVP flooring, tiled baths, and a stunning kitchen with new cabinetry and high-end stainless steel appliances. Recent updates include a new roof, windows, A/C, water heater, and concrete driveway. A detached garage offers storage, workshop space, or room for projects. Outdoors, embrace wide-open skies, starry nights, and endless possibilities for gardening, gatherings, or simply relaxing. If you've been dreaming of quiet country living with modern upgrades, this home is ready to welcome you. Don't miss your private slice of Florida paradise! 🏡

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$1,662
Property taxesest. at asking price, Nassau County$414
Estimated total, before insurance$2,076/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$747/yr · $62/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$300,000
$60,000
Loan Term
Monthly Payment
$1,662
Principal & Interest: $1,662
Property taxes (est.): $414
Insurance (est.): $200
Estimated Total Monthly
$2,276
*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 1956)

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

Solar potential: ~1,556 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $747/yr

Estimated taxes if purchased at asking price: ~$5,000/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.

History

Price & status history

  • Jul 29, 2025Listed$296,900

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

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 $201/sq ft; this home is listed at $189/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
43739 Ratliff Road, Callahan, FL 32011Listed by HASSLE-FREE REALTY LLCAug 2026$297,000$1904/1.51,566560.6
44046 Cross Creek Boulevard, Callahan, FL 32011Listed by REAL BROKER LLCOct 2026$320,000$1654/21,944330.7
54332 Pelican Road, Callahan, FL 32011Listed by WOODS TO WATER PROPERTIES LLCAug 2026$235,000$2043/21,152900.7
54230 Heller Road, Callahan, FL 32011Listed by EXP REALTY LLCSep 2026$375,000$2143/2.51,7503321.1
54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$350,000$2013/21,74451.1
54052 Dornbush Road, Callahan, FL 32011Listed by INTEGRITY KEY REALTY LLCJun 2026$158,000$963/21,647701.1

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$296,900
Price / Sq Ft$189
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,572
Acres1.00 acres
Year Built1956
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address540485 US Highway 1, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size43,560 sq ft
Parcel Number101N25000000110000
ZoningSingle Family

Amenities

UtilitiesElectricity Available, Water Available
SewerSeptic Tank
Water SourcePrivate, Well
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingElectric, Heat Pump
CoolingCentral Air
FlooringTile, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

RoofShingle
ConstructionBlock, Concrete

Additional Information

Date ListedJuly 29, 2025
Days on Market130
Tax Amount$747.37
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LPT REALTY LLC

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 Nov 24, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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