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Sold

Sold·Closed Aug 19, 2025·27 days on market

54002 Evergreen Trail

Callahan, FL 32011

$435,000sold priceListed at $448,000 · 97.1% of asking$196/sqftMLS# 2097831
3
Beds
2
Baths
2,219
Sq Ft
2005
Built
2
Garage
No
Pool
HOA $21/mo1.13 acresSingle Family Residence1 story

About this home

Callahan

Welcome Home! This charming all-brick 3-bedroom, 2-bath home offers 2,200 sq. ft. of comfortable living space on a spacious 1.13-acre lot in the growing Callahan area. Inside, you'll find a generously sized family room centered around a cozy gas fireplace, perfect for gatherings. The open kitchen, complete with newer appliances and a convenient breakfast bar, flows seamlessly into the family room—ideal for everyday living and entertaining. The split floorplan provides added privacy, with a large primary suite featuring double walk-in closets and an en-suite bath with dual vanities, a luxurious soaking tub, and a separate shower. Step outside to your large, screened patio—a perfect spot to unwind in the evenings and stargaze. Green thumbs will love the fenced back yard, fenced with black chain link, providing ample space for gardening, complete with a greenhouse (as-is) and storage sheds for tools and supplies. Move-in ready and lovingly maintained by the original owners

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$2,409
Property taxesest. at asking price, Nassau County$601
HOAbilled annually$21
Estimated total, before insurance$3,031/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,978/yr · $165/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

$435,000
$87,000
Loan Term
Monthly Payment
$2,409
Principal & Interest: $2,409
Property taxes (est.): $601
Insurance (est.): $290
Estimated Total Monthly
$3,300
*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 2005)

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

Solar potential: ~1,740 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,978/yr

Estimated taxes if purchased at asking price: ~$7,200/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.

History

Price & status history

  • Jul 10, 2025Listed$448,000

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 $191/sq ft; this home is listed at $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
54052 Dornbush Road, Callahan, FL 32011Listed by INTEGRITY KEY REALTY LLCJun 2026$158,000$963/21,647700.8
43739 Ratliff Road, Callahan, FL 32011Listed by HASSLE-FREE REALTY LLCAug 2026$297,000$1904/1.51,566561
54230 Heller Road, Callahan, FL 32011Listed by EXP REALTY LLCSep 2026$375,000$2143/2.51,7503321.1
54086 Heller Road, Callahan, FL 32011Listed by REAL BROKER LLCAug 2025$205,000$873/22,355211.1
540485 US Highway 1, Callahan, FL 32011Listed by LPT REALTY LLCNov 2025$300,000$1913/21,5721301.2
43562 Ratliff Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$450,000$2284/21,974551.6

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$448,000
Price / Sq Ft$202
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,219
Acres1.13 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNortheast

School Information

ElementaryCallahan
MiddleCallahan

Community Information

Address54002 Evergreen Trail, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionEvergreen Estates
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size49,222.8 sq ft
Parcel Number371N25049E00090000
ZoningResidential

Amenities

AmenitiesNone
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Not Available, Water Not Available
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Laminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Dead End Street
Patio / PorchCovered, Patio, Rear Porch, Screened
FencingBack Yard, Chain Link
RoofShingle
ConstructionBrick
Other StructuresGreenhouse, Shed(s)
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJuly 10, 2025
Days on Market27
HOA Fees$250 / Annually
HOA FrequencyAnnually
HOA Fee IncludesOther
Tax Amount$1,977.86
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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 Aug 19, 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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