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Sold·Closed Oct 9, 2025·2 days on market
43133 Pearl Lane
Callahan, FL 32011
About this home
Callahan
This is a beautiful Clayton MFH with lots if upgrades & 4BRs & 3 full baths plus a flex room to be used as an office. The home has a formal LR & nice FR that has BRs on each side. Kitchen is roomy with lots of cabinets & big island to eat at & prep food on. Also has a small coffee Counter off kitchen. Smooth top range & refig. with ice maker. The master suite has double vanities wit big tub shower combo plus really large walk in closet. The other3 Brs are on far end of home & share 2 bath rooms plus a flex room that can be an office or work out room. There is also a big FR spaced between two of the bedrooms. Big laundry room with opening the the beautiful big back yard. This home has room for everyone & outside there is room for gardens, animals & kids to play. There is also a small pond next door. Very private lot but still close to Callahan, 295 & Jax. Can be financed FHA, VA Conv or USDA.
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.
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 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,684 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 22 mi · 35 parking spaces
Closest park or preserve
Cary State Forestabout 3 mi · 17.7 mi of trails
Closest public boat ramp
Dinsmore Boat Landingabout 6 mi · St. Johns River - Trout River (Jacksonville)
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 6 mi · Thomas Creek
Closest grocery store
Winn-Dixieabout 5 mi · 450078 Sr 200, Callahan
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
2024 property taxes (current owner): $446/yr
Estimated taxes if purchased at asking price: ~$5,100/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, 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 $232/sq ft; this home is listed at $140/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 43059 Pearl Lane, Callahan, FL 32011Listed by FREEDOM REALTY GROUP LLC | Jan 2026 | $355,000 | $185 | 3/2.5 | 1,918 | 36 | 0.1 |
| 43347 Larsen Road, Callahan, FL 32011Listed by PALM III REALTY AND PROPERTY M | Apr 2026 | $265,000 | $175 | 3/2 | 1,512 | 73 | 0.9 |
| 44629 Woodland Circle, Callahan, FL 32011Listed by SELECT REALTY LLC | Jul 2026 | $430,000 | $232 | 3/2 | 1,853 | 17 | 1 |
| 43812 Freedom Drive, Callahan, FL 32011Listed by WATSON REALTY CORP | Oct 2025 | $463,000 | $261 | 3/2 | 1,772 | 146 | 1 |
| 43457 Ratliff Road, Callahan, FL 32011Listed by PARADIGM VISION GROUP | Sep 2026 | $685,000 | $254 | 5/3.5 | 2,697 | 15 | 1.1 |
| 44648 Woodridge Drive, Callahan, FL 32011Listed by KELLER WILLIAMS FIRST COAST REALTY | Oct 2025 | $450,000 | $200 | 4/2 | 2,249 | 6 | 1.2 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Sold by: SOUTHEAST REALTY GROUP (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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 9, 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
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