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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Jun 1, 2026·84 days on market

54106 Amblerwood Way

Callahan, FL 32011

$475,000sold priceListed at $490,000 · 96.9% of asking$307/sqftMLS# 2129212
3
Beds
2
Baths
1,546
Sq Ft
2016
Built
2
Garage
Yes
Pool
HOA $17/mo1.00 acresWaterfrontSingle Family Residence1 story

About this home

Callahan

Welcome to your private backyard oasis on a full acre in peaceful Callahan. This charming 3-bedroom, 2-bath home is designed for relaxing and entertaining, with a heated saltwater pool and spa as the centerpiece. Spend your days swimming, lounging on the screened patio overlooking the lake, or gathering around the firepit as the sun sets. Inside, enjoy a freshly painted interior and durable LVP flooring throughout the main living areas. The spacious kitchen features granite countertops, like-new stainless steel appliances, and a counter-height bar perfect for casual dining or everyday conversations. The inviting living room offers a cozy gas fireplace for relaxing evenings at home. Outside, the expansive lot provides plenty of space for outdoor toys and hobbies, plus a 50-amp RV hookup with parking pad for added flexibility. This home offers the perfect blend of comfort, privacy, and room to make lasting memories.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,631
Property taxesest. at asking price, Nassau County$656
HOAbilled annually$17
Estimated total, before insurance$3,303/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,707/yr · $476/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$475,000
$95,000
Loan Term
Monthly Payment
$2,631
Principal & Interest: $2,631
Property taxes (est.): $656
Insurance (est.): $317
Estimated Total Monthly
$3,603
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2016)

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

Solar potential: ~1,717 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

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.

Cost to own

Taxes & assessment

Last sold: $355,000 in January 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$376,499$376,499—
2024$365,148$365,148—
2023$303,840$303,840—
2022$243,857$243,857—
2021$218,846$121,559—
2020$203,454$119,121—

2024 property taxes (current owner): $5,707/yr

Estimated taxes if purchased at asking price: ~$7,900/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.

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 $247/sq ft; this home is listed at $317/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
54017 Asherton Cove, Callahan, FL 32011Listed by REAL BROKER LLCMay 2026$535,000$2844/21,886470.3
53702 Carrington Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$457,500$2473/21,85340.5
55592 Deer Run Road SE, Callahan, FL 32011Listed by WATSON REALTY CORPJun 2026$390,000$2084/21,872720.9
51065 Bloomington Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$387,500$2523/21,535161.3
52185 Albany Place, Callahan, FL 32011Listed by MARK SPAIN REAL ESTATEMay 2025$411,000$2154/21,915341.4
54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$350,000$2013/21,74451.6

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

Price$490,000
Price / Sq Ft$317
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,546
Acres1.00 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Heated, Salt Water
Is WaterfrontYes

Community Information

Address54106 Amblerwood Way, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionClear Lake Area
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size43,560 sq ft
Parcel Number462N25024001440000

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourcePrivate
ParkingGarage, Garage Door Opener, RV Access/Parking
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Laminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingFull, Vinyl
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedMay 11, 2026
Days on Market84
HOA Fees$200 / Annually
HOA FrequencyAnnually
Tax Amount$5,706.53
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 1, 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.

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20+ years · 500+ closings · NE Florida

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