Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 33

Pending

Pending·130 days on market

44170 Woodland Circle

Callahan, FL 32011

$360,000$172/sqftEst. $1,851/moMLS# 2126649

Beds

Baths

2,093

Sq Ft

2000

Built

—

Garage

Pool

About this home

Callahan

Experience the freedom of country living on 6.39± acres in Callahan! Zoned Open Rural with no HOA, this spacious 3-bedroom, 2-bath home offers 2,093 square feet and room to enjoy animals, gardening, recreational vehicles, equipment, hobbies and more, subject to applicable regulations. Inside, you'll find a desirable split-bedroom floor plan, fresh carpet, a welcoming living room with a wood-burning fireplace and a large kitchen featuring double ovens and abundant storage. The oversized primary suite includes a private sitting area, an impressive walk-in closet and a spacious split bathroom. Additional highlights include a separate laundry room and generously sized secondary bedrooms. Major improvements provide added peace of mind, including brand-new windows, a 2017 roof, a 2023 HVAC system with remaining warranty, newer ductwork with warranty, an updated septic system and a water-softening and filtration system. The property also includes a storage shed with water and electricity.

Cost to own

Mortgage calculator

Home Price

$360,000

Down Payment: 20%

$72,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,851

Principal & Interest: $1,851

Property taxes (est.): $497

Insurance (est.): $240

Estimated Total Monthly

$2,588

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$1,851

Property taxesest. at asking price, Nassau County$497

Estimated total, before insurance$2,348/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$681/yr · $57/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$205,321	$33,975	—
2024	$197,501	$32,310	—
2023	$195,097	$29,913	—
2022	$149,484	$27,585	—
2021	$116,703	$25,325	—
2020	$104,135	$25,000	—

2025 property taxes (current owner): $681/yr

Estimated taxes if purchased at asking price: ~$6,000/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone K

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

Roof: Shingle — 2017 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,318 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

As of July 2026, 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

Aug 24, 2026Pending$360,000
Apr 21, 2026Listed$360,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$360,000

Price / Sq Ft$172

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,093

Acres6.39 acres

Year Built2000

TypeResidential

Sub-TypeManufactured Home

Property ConditionUpdated/Remodeled

StatusPending

Has PoolNo

Is WaterfrontNo

School Information

ElementaryCallahan

MiddleCallahan

HighWest Nassau

Community Information

Address44170 Woodland Circle, Callahan, FL 32011

Area492-Nassau County-W Of I-95/N To State Line

SubdivisionWoodland Estates

CityCallahan

CountyNassau

StateFL

Zip Code32011

Lot Size278,348.4 sq ft

Parcel Number161N25291200030160

ZoningZoned for Livestock

Amenities

UtilitiesElectricity Connected, Water Available

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAdditional Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Double Oven, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)