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

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Active

Active·210 days on market

541746 Lem Turner Road

Callahan, FL 32011

$295,000$198/sqftEst. $1,517/moMLS# 2127954

Beds

Baths

1,493

Sq Ft

2025

Built

—

Garage

Pool

About this home

Callahan

This is a home built with intention. Brand new and thoughtfully designed, this Cavco Moultrie Maverick 28563A offers 3 bedrooms, 2 baths, and 1,493 square feet of smart, efficient living in Callahan. The open-concept layout connects the living, dining, and kitchen spaces, creating a home that feels comfortable, functional, and easy to live in. The kitchen sits at the center of the home with ample cabinetry and workspace, ideal for everyday routines and weekend gatherings. The primary suite is positioned for privacy and features its own stand alone bath with a separate shower and generous closet space, offering a quiet place to recharge. Two additional bedrooms provide flexibility for family, guests, or a home office, supported by a well planned second full bath. With brand-new systems throughout and modern construction standards, this home delivers simplicity, reliability, and low-maintenance living. This isn't just a house it's a smart move forward. Schedule a showing today!

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,517

Principal & Interest: $1,517

Property taxes (est.): $407

Insurance (est.): $197

Estimated Total Monthly

$2,121

*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$1,517

Property taxesest. at asking price, Nassau County$407

Estimated total, before insurance$1,924/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$993/yr · $83/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	$73,349	$58,786	—
2024	$64,342	$53,442	—
2023	$62,828	$48,584	—
2022	$53,271	$44,317	—
2021	$40,689	$40,288	—
2020	$38,933	$36,625	—

2025 property taxes (current owner): $993/yr

Estimated taxes if purchased at asking price: ~$4,900/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: material not specified — year not disclosed (home built 2025)

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: ~917 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