Active·63 days on market
45159 American Dream Drive
Callahan, FL 32011
About this home
Callahan
One-of-a-Kind Brick Home on Over 1 Acre in Callahan! This beautifully updated home combines charm, privacy, and functionality on a spacious 1+ acre lot in a welcoming neighborhood. Recent upgrades include a 5-year-old roof, new drain field, hurricane-impact windows, gas appliances, a cozy gas fireplace, and a whole-house Generac 22KW generator. A Renai tankless water heater provides endless hot water with energy efficiency. What truly makes this home stand out is the hand-laid foyer floor made from over 14,000 pennies, adding a touch of artistry and character you won't find anywhere else. Step into your backyard oasis featuring a pavered inground pool, a vaulted cedar-ceiling outdoor kitchen, and a second fireplace--ideal for entertaining or relaxing evenings under the stars. Car lovers and hobbyists will appreciate the 30' x 40' detached garage complete with an 11,000-lb car lift, 4-ton A/C, and RV hookup, offering endless possibilities for work or play.
Cost to own
Mortgage calculator
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, 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 | $487,471 | $162,795 | — |
| 2024 | $472,288 | $157,218 | — |
| 2023 | $412,395 | $145,474 | — |
| 2022 | $329,848 | $143,989 | — |
| 2021 | $319,092 | $138,179 | — |
| 2020 | $301,880 | $135,505 | — |
2024 property taxes (current owner): $2,615/yr
Estimated taxes if purchased at asking price: ~$11,200/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 2004)
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: ~1,687 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 homeInformational 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
Price & status history
- May 14, 2026Listed$675,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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