1 / 31

Active

Active·190 days on market

55158 Bartram Trail

Callahan, FL 32011

$559,900$326/sqftEst. $2,980/moMLS# 2123708

Beds

Baths

1,720

Sq Ft

2023

Built

Garage

Pool

About this home

Callahan

Private 1-Acre Homesite with Cleared Backyard & Natural Wooded Buffer • Built 2023 • Priced to Sell Turn-key, fully furnished 2023 construction on a spacious 1-acre homesite with low HOA. This beautifully maintained home offers ample living space, delivering modern living with no wait for new construction. Open floor plan features LVP flooring, an upgraded kitchen with quartz countertops, stainless steel appliances, and a large island ideal for entertaining. Bathrooms are also upgraded. Additional highlights include a whole-home water system, irrigation system, 2-car garage, and a fenced backyard with gated access, while the rear portion of the lot remains a natural buffer, offering added privacy and a peaceful setting.

Cost to own

Mortgage calculator

Home Price

$559,900

Down Payment: 20%

$111,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,828

Principal & Interest: $2,828

Est. Taxes & Insurance: $707

Estimated Total Monthly

$3,535

*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$2,980

Property taxesest. at asking price, Nassau County$773

HOAbilled quarterly$30

Estimated total, before insurance$3,783/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	$373,266	$316,706	—
2024	$357,073	$307,073	—
2023	$50,000	$50,000	—
2022	$50,000	$50,000	—
2021	$40,000	$30,250	—
2020	$40,000	$27,500	—

2025 property taxes (current owner): $5,021/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

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 H

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

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,645 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