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Sold·Closed Apr 3, 2026·172 days on market
45196 American Dream Drive
Callahan, FL 32011
About this home
Callahan
1-acre lot • Built 2023 • Single-story • Home office • 3-car garage • Screened porch Built in 2023, this single-story home offers 3 bedrooms, 2.5 bathrooms, and a dedicated office/den on a 1.0-acre lot in Callahan. Designed with oversized bedrooms and 9-foot ceilings, the interior features luxury vinyl plank flooring throughout, a neutral paint palette, and an open living area with custom electric fireplace. The kitchen includes an eat-in nook, pantry, and reverse osmosis system at the sink, served by a private well. The primary suite features dual vanities, walk-in shower, private water closet, and walk-in closet. Two additional bedrooms share a full bath, plus a separate half bath for guests. An oversized 880 sq ft 3-car garage provides space for vehicles, storage, or workshop use. Step out to the screened-in rear porch overlooking the surrounding land and tree-lined views. Located on a private, paved road with no through traffic. Includes Zillow 3D tour & interactive floor plan.
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: Shingle — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,762 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $506,043 | $318,106 | — |
| 2024 | $486,241 | $313,293 | — |
| 2023 | $60,000 | $60,000 | — |
| 2022 | $60,000 | $60,000 | — |
| 2021 | $45,000 | $40,263 | — |
| 2020 | $45,000 | $36,603 | — |
2024 property taxes (current owner): $5,054/yr
Estimated taxes if purchased at asking price: ~$7,700/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 (2025), 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 $204/sq ft; this home is listed at $207/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 55062 Country Trail Drive, Callahan, FL 32011Listed by REMI REALTY, LLC | Aug 2026 | $590,000 | $235 | 3/3 | 2,508 | 28 | 0.5 |
| 450409 State Road 200, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $290,000 | $173 | 3/2 | 1,680 | 0 | 0.9 |
| 45121 Stratton Road, Callahan, FL 32011Listed by UNITED REAL ESTATE GALLERY | Dec 2025 | $238,000 | $89 | 4/3 | 2,681 | 129 | 0.9 |
| 55592 Deer Run Road SE, Callahan, FL 32011Listed by WATSON REALTY CORP | Jun 2026 | $390,000 | $208 | 4/2 | 1,872 | 72 | 1 |
| 55398 Deer Run Road, Callahan, FL 32011Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $525,000 | $204 | 4/3 | 2,575 | 25 | 1.4 |
| 45700 Jones Way Way, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $288,900 | $184 | 3/2 | 1,568 | 41 | 1.5 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CROSSVIEW REALTY
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 Apr 3, 2026. 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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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines