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Active

Active·205 days on market

53072 Clear Lake Drive

Callahan, FL 32011

$530,000$271/sqftEst. $2,821/moMLS# 2122393

Beds

Baths

1,958

Sq Ft

2014

Built

Garage

Pool

About this home

Callahan

Welcome to this charming 4-bedroom, 2-bathroom home in Callahan, FL. Built in 2014, this 1,958 sq ft home sits on a spacious 1.03-acre lot at the entrance of a quiet subdivision—offering privacy, convenience, and small-town charm just 20 minutes north of Jacksonville. Inside, you'll find an open floor plan with beautiful flooring and abundant natural light. The kitchen boasts dark wood cabinetry, matching black Whirlpool appliances, a center island, and breakfast bar that opens to the living room—ideal for entertaining. The primary suite includes a large walk-in closet and an ensuite bath with dual sinks and a walk-in tiled shower. All bedrooms are generously sized for flexible living. Step outside to the covered back porch overlooking the expansive backyard, perfect for relaxing or play, and plenty of room for a pool. Bonus Feature: A 24 ft by 24 ft detached garage—ideal for a workshop, extra storage, or that hobby space you've always wanted!

Cost to own

Mortgage calculator

Home Price

$530,000

Down Payment: 20%

$106,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,677

Principal & Interest: $2,677

Est. Taxes & Insurance: $669

Estimated Total Monthly

$3,346

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,821

Property taxesest. at asking price, Nassau County$732

HOAbilled annually$17

Estimated total, before insurance$3,569/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$427,823	$385,574	—
2024	$383,526	$350,522	—
2023	$357,835	$318,656	—
2022	$289,687	$289,687	—
2021	$266,734	$266,734	—
2020	$248,958	$248,958	—

2025 property taxes (current owner): $6,181/yr

Estimated taxes if purchased at asking price: ~$8,800/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 X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2014)

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: ~1,724 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History