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Sold·Closed Apr 6, 2026·179 days on market

35061 Karen Road

Callahan, FL 32011

$445,000sold priceListed at $490,000 · 90.8% of asking$278/sqftMLS# 2112893
3
Beds
2
Baths
1,600
Sq Ft
1984
Built
2
Garage
No
Pool
No HOA2.03 acresSingle Family Residence2 stories

About this home

Callahan

Beautiful 2 story home situated on 2.3 acres zoned Agricultural. Perfect hobby farm to bring horses and farm animals. This cozy 3/2 home features a spiral staircase to upper level, wood burning fireplace and custom made kitchen cabinets. Serene quiet property with expansive trees providing the perfect amount of shade. You will enjoy outside time on your paved patio with pergola and outdoor kitchen. All this AND 1) 30 x 40 workshop equipped with 18-foot roll-up door, 200 AMP electric, water, 60-gallon air compressor, 4-foot exhaust fan, two 20-foot embedded welding beams, grounding setup and concrete apron, with full lighting inside and out. 2) A separate RV cover, 3) Separate storage shed with covered parking attached. The home's garage has a second floor that can be easily converted to rental or private guest suite. Roof, hot water heater, and AC Unit are 1 year old. Highly rated schools close by! Motivated Seller.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,465
Property taxesest. at asking price, Nassau County$614
Estimated total, before insurance$3,079/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$445,000
$89,000
Loan Term
Monthly Payment
$2,465
Principal & Interest: $2,465
Property taxes (est.): $614
Insurance (est.): $297
Estimated Total Monthly
$3,376
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1984)

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

Solar potential: ~1,351 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 home

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

  • Oct 10, 2025Listed$490,000

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 $187/sq ft; this home is listed at $306/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
35742 Quail Road, Callahan, FL 32011Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLCJul 2026$445,000$2433/21,828101.7
40041 Whipporwill Lane, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$231,000$1343/21,728442.1
45053 R Jones Road, Callahan, FL 32011Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$275,000$1394/31,9761002.1
44480 Swallowfork Avenue, Callahan, FL 32011Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$291,000$2003/21,45632.2
44195 Flynn Road, Callahan, FL 32011Listed by DJ & LINDSEY REAL ESTATEJun 2026$185,000$1623/21,140392.2
44051 Little Sweetgum Lane, Callahan, FL 32011Listed by ACHIEVE REALTY GROUP LLCMar 2026$378,500$1874/22,02442.2

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

Price$490,000
Price / Sq Ft$306
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,600
Acres2.03 acres
Year Built1984
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address35061 Karen Road, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionMetes & Bounds
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size88,426.8 sq ft
Parcel Number262N24000000040150
ZoningAgricultural

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingAttached, Detached Carport, Garage, Garage Door Opener, RV Access/Parking
ViewTrees/Woods

Interior

AppliancesElectric Oven, Electric Range, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionAgricultural, Cleared, Many Trees
Patio / PorchDeck, Patio, Wrap Around
RoofShingle
ConstructionVinyl Siding
Other StructuresOutdoor Kitchen, Workshop
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedOctober 10, 2025
Days on Market179
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CB ISAAC REALTY

Sold by: HAMILTON HOUSE REAL ESTATE GROUP, 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 6, 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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20+ years · 500+ closings · NE Florida

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