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Sold·Closed Mar 20, 2026·52 days on market
45035 James Street
Callahan, FL 32011
About this home
Callahan
This is a home built with intention. Located in Callahan, this newly constructed 3-bedroom, 2-bath residence offers 1,284 square feet of smart, efficient living designed to deliver exactly what today's homeowner needs and nothing they don't. The open concept layout creates a natural flow between the living, dining, and kitchen spaces making the home feel larger, brighter, and more connected. This is where everyday life happens and where memories are made. The primary bedroom is positioned for privacy, complete with its own bathroom and ample closet space your place to recharge. Two additional bedrooms provide flexibility for family, guests, or work-from-home needs, supported by a well-appointed second full bath. As a brand-new build, this home offers simplicity and certainty- new systems, modern construction standards, and minimal maintenance allowing you to focus on living, not fixing. Set in the quiet town of Callahan, you'll enjoy space, community, and convenience without
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.
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: Shingle — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,046 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 22 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 6 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 6 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 6 mi · Thomas Creek
Closest youth league fields
Dinsmore Park and Community Centerabout 11 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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:31 AM, sunset 6:54 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $169/yr
Estimated taxes if purchased at asking price: ~$4,700/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 $196/sq ft; this home is listed at $226/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45575 Ingleham Circle, Callahan, FL 32011Listed by RE/MAX BLUE COAST | Oct 2025 | $255,000 | $196 | 3/2 | 1,300 | 77 | 0.2 |
| 45199 Ingleham Circle, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $252,500 | $194 | 3/2 | 1,300 | 128 | 0.2 |
| 45311 Ingleham Circle, Callahan, FL 32011Listed by LPT REALTY LLC | Sep 2025 | $321,000 | $196 | 3/2 | 1,640 | 130 | 0.3 |
| 45394 Ingleham Circle, Callahan, FL 32011Listed by WATSON REALTY CORP | Nov 2025 | $260,000 | $200 | 3/2 | 1,300 | 82 | 0.4 |
| 45397 Ingleham Circle, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2025 | $287,500 | $188 | 3/2 | 1,526 | 33 | 0.4 |
| 45284 Booth Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Dec 2025 | $235,000 | $181 | 4/1.5 | 1,300 | 6 | 0.7 |
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: KELLER WILLIAMS FIRST COAST REALTY
Sold by: KELLER WILLIAMS FIRST COAST REALTY (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 Mar 20, 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