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Active Under Contract

Active Under Contract·329 days on market

36821 Dyal Road

Callahan, FL 32011

$850,000$257/sqftEst. $4,334/moMLS# 2106541

Beds

Baths

3,307

Sq Ft

2001

Built

Garage

Yes

Pool

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

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,334

Principal & Interest: $4,334

Property taxes (est.): $1,173

Insurance (est.): $567

Estimated Total Monthly

$6,074

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$4,334

Property taxesest. at asking price, Nassau County$1,173

Estimated total, before insurance$5,507/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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: ~$14,100/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.

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.

History

Price & status history

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.

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

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Indoor

Is WaterfrontYes

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