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Sold

Sold·Closed Sep 15, 2026·315 days on market

36821 Dyal Road

Callahan, FL 32011

$825,000sold priceListed at $850,000 · 97.1% of asking$249/sqftMLS# 2106541
3
Beds
2.5
Baths
3,307
Sq Ft
2001
Built
3
Garage
Yes
Pool
FEMA Zone ANo HOA13.89 acresWaterfrontSingle Family Residence1 story

About this home

Callahan

Nearly 14 acres of private living with a stocked pond and indoor pool await in this stunning 3-bedroom, 2.5-bath home spanning over 3,000 sqft also features a versatile flex room that can be used as an office or a fourth bedroom. Designed for both comfort and entertaining, it features a spacious open floor plan, a chef's kitchen with a gas cooktop and oversized island, and a cozy stone fireplace as the centerpiece. The master suite offers a spa-like retreat with an upgraded bathroom and a shower that doubles as a steam room. Wood flooring runs throughout the home--no carpet--while a large screened patio extends your living space outdoors. Recent updates include a brand new roof and skylights, HVAC, water heater, and pool equipment (all just 7 years old). A powered shed adds convenience, and the fully stocked pond makes for the perfect escape. Combining luxury, space, and function, this property delivers the best of indoor comfort and outdoor lifestyle.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$4,534
Property taxesest. at asking price, Nassau County$1,139
Estimated total, before insurance$5,673/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,466/yr · $289/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).

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone K

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2001)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,612 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

As of July 2026, 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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

YearMarket valueTaxable valueChange
2025$808,651$218,513—
2024$777,745$211,647—
2023$756,543$204,026—
2022$663,386$196,627—
2021$537,093$189,444▲ $70,067
2020$400,153$186,138—

2024 property taxes (current owner): $3,466/yr

Estimated taxes if purchased at asking price: ~$13,700/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.

History

Price & status history

  • Sep 15, 2026Closed$850,000
  • Jul 13, 2026Active Under Contract$850,000
  • Aug 30, 2025Listed$850,000

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 $227/sq ft; this home is listed at $257/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
46171 Sauls Road, Callahan, FL 32011Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAOct 2026$1,190,000$2964/3.54,022211.6
36079 Pitch Lane, Hilliard, FL 32046Listed by COLDWELL BANKER PREMIER PROPERTIESDec 2025$595,000$2444/3.52,443271.6
36151 Pitch Lane, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCJul 2025$718,900$2204/33,26101.6
36143 Pitch Lane, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCMay 2025$828,900$2274/4.53,65401.6
36166 Pitch Lane, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCMay 2026$745,900$2044/4.53,6541811.7
36175 Pitch Lane, Hilliard, FL 32046Listed by LGI REALTY - FLORIDA, LLCMay 2026$640,900$1974/33,261851.7

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

Price$850,000
Price / Sq Ft$257
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage3,307
Acres13.89 acres
Year Built2001
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Indoor
Is WaterfrontYes

School Information

This listingNo schools reported in the MLS
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address36821 Dyal Road, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionMetes & Bounds
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size605,048.4 sq ft
Parcel Number363N24000000050000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, RV Access/Parking
ViewPond, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
Spa FeaturesIn Ground, Private

Exterior

Exterior FeaturesOutdoor Kitchen
Patio / PorchCovered, Porch, Rear Porch, Screened
RoofShingle
ConstructionBrick
Other StructuresShed(s)

Additional Information

Date ListedAugust 31, 2025
Days on Market315
Tax Amount$3,465.85
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: GAILEY ENTERPRISES LLC

Sold by: GAILEY ENTERPRISES 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.

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Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 15, 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.

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