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Sold·Closed Jan 16, 2026·36 days on market
43059 Pearl Lane
Callahan, FL 32011
About this home
Callahan
Set on an expansive 3.23-acre lot, this 2-story home offers 1,918 sq ft of well-planned living space with 3 bedrooms and 2.5 baths. Built in 1986 and updated with a new roof in 2022, the property blends solid construction with long-term peace of mind. With lot dimensions of approximately 210 x 640 ft, there's ample room for expansion, outdoor projects, or simply enjoying the open space. Inside, the layout provides flexibility for both everyday living and entertaining, with gathering areas that can adapt to modern needs. Well and septic. Whether you're seeking a place to put down roots, create a retreat, or invest in land with space to grow, this home delivers a unique opportunity that combines acreage, updates, and natural features rarely found together.
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).
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 — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,626 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): $3,290/yr
Estimated taxes if purchased at asking price: ~$5,900/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 $261/sq ft; this home is listed at $198/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 43133 Pearl Lane, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2025 | $310,000 | $145 | 4/3 | 2,135 | 2 | 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 | 0.8 |
| 43588 Freedom Drive, Callahan, FL 32011Listed by WOODS TO WATER PROPERTIES LLC | Dec 2025 | $365,000 | $261 | 3/2 | 1,400 | 252 | 0.8 |
| 44629 Woodland Circle, Callahan, FL 32011Listed by SELECT REALTY LLC | Jul 2026 | $430,000 | $232 | 3/2 | 1,853 | 17 | 1.1 |
| 43812 Freedom Drive, Callahan, FL 32011Listed by WATSON REALTY CORP | Oct 2025 | $463,000 | $261 | 3/2 | 1,772 | 146 | 1.1 |
| 44292 Woodridge Drive, Callahan, FL 32011Listed by 1 REALTY CORP | Mar 2026 | $383,900 | $261 | 3/2 | 1,470 | 123 | 1.3 |
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: FREEDOM REALTY GROUP LLC
Sold by: VIP REALTY, INC. (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 Jan 16, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines