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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 Dec 23, 2025·87 days on market

54262 Spring Lake Drive

Callahan, FL 32011

$500,000sold priceListed at $500,000 · 100% of asking$237/sqftMLS# 2101931
3
Beds
2
Baths
2,109
Sq Ft
2000
Built
2
Garage
No
Pool
No HOA1.12 acresSingle Family Residence1 story

About this home

Callahan

Welcome to your new home in the highly sought-after Spring Lake Estates! This charming 3-bedroom, 2-bathroom brick home sits on a spacious 1.12 acre lot in an established neighborhood known for its quiet streets and friendly community. Whether you're looking for room to store your toys, host family gatherings, or simply enjoy peaceful outdoor living, this property has it all. Major updates include a new roof and HVAC system in 2020, giving you peace of mind for years to come. With its solid construction, modern updates, and generous outdoor space, this home is move-in ready and waiting for your personal touch. Don't miss the chance to make this Spring Lake Estates gem 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$2,770
Property taxesest. at asking price, Nassau County$690
Estimated total, before insurance$3,460/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,456/yr · $455/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

$500,000
$100,000
Loan Term
Monthly Payment
$2,770
Principal & Interest: $2,770
Property taxes (est.): $690
Insurance (est.): $333
Estimated Total Monthly
$3,793
*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 2000)

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

Solar potential: ~1,705 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,456/yr

Estimated taxes if purchased at asking price: ~$8,300/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 $229/sq ft; this home is listed at $237/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
54413 Marsh Road, Callahan, FL 32011Listed by KELLER WILLIAMS ST JOHNSApr 2026$380,000$2293/21,66130.3
55214 Yellow Jacket Drive, Callahan, FL 32011Listed by RE/MAX SPECIALISTSFeb 2026$490,000$1864/2.52,631970.3
55012 Deer Run Road, Callahan, FL 32011Listed by LA ROSA REALTY NORTH FLORIDA, LLC.Apr 2026$548,000$2333/22,349220.4
541462 Lem Turner Road, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY AT THE LAKESMar 2026$288,000$1393/22,077100.4
55281 Yellow Jacket Drive, Callahan, FL 32011Listed by CABANA LANE, INCFeb 2026$485,000$2384/32,0403040.4
55592 Deer Run Road SE, Callahan, FL 32011Listed by WATSON REALTY CORPJun 2026$390,000$2084/21,872720.5

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$500,000
Price / Sq Ft$237
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,109
Acres1.12 acres
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address54262 Spring Lake Drive, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionSpring Lake Estates
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size48,787.2 sq ft
Parcel Number462N25197A00010010

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchRear Porch, Screened
FencingBack Yard, Wood
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedSeptember 11, 2025
Days on Market87
Tax Amount$5,456.1
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: VENTURE REALTY CO, LLC

Sold by: VENTURE REALTY CO, 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 Dec 23, 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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