1 / 46

Active

Active·103 days on market

43122 Pineridge Drive

Callahan, FL 32011

$399,000$234/sqftEst. $2,124/moMLS# 2138318

Beds

Baths

1,702

Sq Ft

1974

Built

Garage

Pool

About this home

Callahan

Discover this expansive 14-acre estate, comprising four parcels, with a charming single-family, 3-bedroom, 2-bath home. The property boasts a wraparound porch, a large AC'd Florida room, a spacious barn, and a detached 2-car garage/workshop. At the rear, a serene pond awaits, complemented by electric, septic, and well hookups for a second residence. Surrounded by mature trees and open space, this peaceful retreat offers endless possibilities...whether it's a private homestead, a multi-generational compound, or a future vision realized. Don't miss this rare opportunity to own a slice of tranquility and potential.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,015

Principal & Interest: $2,015

Est. Taxes & Insurance: $504

Estimated Total Monthly

$2,519

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,124

Property taxesest. at asking price, Nassau County$551

Estimated total, before insurance$2,674/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, 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	$254,273	$84,639	—
2024	$232,514	$81,582	—
2023	$232,149	$232,149	—
2022	$160,821	$26,764	—
2021	$141,868	$21,086	—
2020	$133,660	$20,404	—

2025 property taxes (current owner): $1,459/yr

Estimated taxes if purchased at asking price: ~$6,600/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 G

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

Roof: Shingle — year not disclosed (home built 1974)

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: ~1,629 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

Informational 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