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Pending

Pending·219 days on market

55225 Bartram Trail

Callahan, FL 32011

$499,900$253/sqftEst. $2,570/moMLS# 2126723

Beds

Baths

1,974

Sq Ft

2025

Built

Garage

Pool

About this home

Callahan

New Construction-This stunning 4-bedroom, 2-bathroom brick home offers 1,974 sq. ft. of thoughtfully designed living space on a generous acre lot. The open floor plan includes split bedrooms for added privacy and a separate dining area for formal or family gatherings. The kitchen and bathrooms are beautifully upgraded with quartz countertops, and the home features upgrades throughout, ensuring a perfect blend of modern elegance and functionality. The spacious master suite is a highlight, showcasing elegant tray ceilings and an en-suite bathroom with double vanity sinks, a relaxing soaking tub, and a walk-in shower. Conveniently located near top-rated ''A'' schools, this home combines modern living with a desirable location. Don't miss out on this incredible opportunity -schedule your showing today! LOW HOA NO CDD FEES. Grass is digitally enhanced.

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,570

Principal & Interest: $2,570

Property taxes (est.): $690

Insurance (est.): $333

Estimated Total Monthly

$3,593

*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$2,570

Property taxesest. at asking price, Nassau County$690

HOAbilled monthly$30

Estimated total, before insurance$3,290/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$777/yr · $65/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	$60,000	$44,289	—
2024	$50,000	$40,263	—
2023	$50,000	$36,603	—
2022	$50,000	$33,275	—
2021	$40,000	$30,250	—
2020	$40,000	$27,500	—

2025 property taxes (current owner): $777/yr

Estimated taxes if purchased at asking price: ~$8,300/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 2025)

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

Solar potential: ~1,756 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

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$499,900
Jul 16, 2026Price change$499,900−$10,000
Jan 23, 2026Listed$509,900

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

Features

Price$499,900

Price / Sq Ft$253

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,974

Acres1.04 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryCallahan

MiddleCallahan

HighWest Nassau

Community Information

Address55225 Bartram Trail, Callahan, FL 32011

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

SubdivisionDeer Run

CityCallahan

CountyNassau

StateFL

Zip Code32011

Lot Size45,302.4 sq ft

Parcel Number353N25181000760000

ZoningResidential

Amenities

AmenitiesNone

UtilitiesCable Available, Electricity Available, Electricity Connected

SewerSeptic Tank

Water SourceWell

ParkingGarage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Cooktop, Electric Oven, Microwave

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

SecuritySmoke Detector(s)