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Sold·Closed Mar 11, 2026·148 days on market
43739 Ratliff Road
Callahan, FL 32011
About this home
Callahan
Great new price. Country living close in to US 1 easy commute to most anywhere. Nice cleared acre plus lot. Home is 2 story with 4 bedrooms. Excellent opportunity for someone wanting to live in Callahan. This home is being sold in AS IS CONDITION. There is a need for repairs that most financing will require a renovation or rehab loan. Seller will not do any repairs. Seller has financing and incentives available via preferred lender NEW REZ. Please see documents for more info. All financed offers MUST include a prequal see New Rez. All offers must be presented by an agent via Propooffers Agents see private remarks. SELLER FINANCED OFFERS ARE NOT ACCEPTED NOR WILL A RESPONSE BE GIVEN. NO LETTERS OF INTENT.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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: Metal — year not disclosed (home built 1961)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,349 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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 and league fields from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 20 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 2 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 5 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 4 mi · Thomas Creek
Closest youth league fields
Dinsmore Park and Community Centerabout 6 mi · Baseball, Softball
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $304,951 | $304,951 | — |
| 2024 | $282,899 | $220,306 | — |
| 2023 | $262,433 | $212,433 | — |
| 2022 | $207,221 | $136,597 | — |
| 2021 | $181,162 | $131,162 | — |
| 2020 | $167,376 | $167,376 | — |
2024 property taxes (current owner): $3,601/yr
Estimated taxes if purchased at asking price: ~$2,300/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 (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 $191/sq ft; this home is listed at $102/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 43739 Ratliff Road, Callahan, FL 32011Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $297,000 | $190 | 4/1.5 | 1,566 | 56 | 0 |
| 540485 US Highway 1, Callahan, FL 32011Listed by LPT REALTY LLC | Nov 2025 | $300,000 | $191 | 3/2 | 1,572 | 130 | 0.6 |
| 44041 Maplewood Court, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $499,000 | $321 | 3/3 | 1,555 | 5 | 0.8 |
| 43562 Ratliff Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $450,000 | $228 | 4/2 | 1,974 | 55 | 0.8 |
| 54003 Plantation Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Dec 2025 | $279,000 | $138 | 3/2 | 2,015 | 97 | 0.8 |
| 43562 Ratliff Road, Callahan, FL 32011Listed by JPAR CITY AND BEACH | Oct 2025 | $85,000 | $44 | 4/2 | 1,912 | 85 | 0.8 |
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: RE/MAX SPECIALISTS
Sold by: RE/MAX SPECIALISTS (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
This home sold on Mar 11, 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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Northeast Florida living
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