$350,000Pending4 bd · 2.5 ba · 1,800 sq ft
Pending·115 days on market
54198 Lawhon Road S
Callahan, FL 32011
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Callahan
STOP SCROLLING: AN ACRE of LAND. NO HOA. 4 BEDROOMS. MAJOR 2026 UPDATES. ONLY 25 MINUTES TO DOWNTOWN JACKSONVILLE! If you've been waiting for a home where the expensive stuff is already DONE, this is it. This beautifully updated Callahan home delivers the combination buyers are searching for -- land, space, updates, and convenience -- without an HOA! 4 Bedrooms | 2.5 Baths | ~1,800 Sq Ft | 1+ Acre And here's the part that really matters: the big-ticket improvements have already been completed! NEW 2026 Metal Roof NEW 2026 HVAC NEW 2026 Septic & Drainfield NEW Siding NEW Water Heater NEW Electrical Panel Fresh Interior Paint Newer Windows NEW LVP Flooring in Bedrooms. Private Primary Sanctuary: completely separated from active living spaces for maximum peace and quiet. $2,500 LENDER CREDIT AVAILABLE! Finance with the preferred lender and receive up to $2,500 toward eligible closing costs and/or interest rates buydown. Terms & Conditions apply. Owner is a Licensed RE agent.
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, 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
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).
Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.
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: Metal — 2026 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,697 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 19 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 3 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 3 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 2 mi · Thomas Creek
Closest grocery store
Winn-Dixieabout 4 mi · 450078 Sr 200, Callahan
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $218,252 | $0 | — |
| 2024 | $205,678 | $0 | — |
| 2023 | $198,429 | $0 | — |
| 2022 | $171,418 | $0 | — |
| 2021 | $140,484 | $0 | — |
| 2020 | $123,863 | $49,053 | — |
2025 property taxes (current owner): $529/yr
Estimated taxes if purchased at asking price: ~$5,800/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.
History
Price & status history
- Oct 23, 2026Pending$350,000
- Sep 9, 2026Price change$350,000−$19,000
- Jul 23, 2026Price change$369,000−$5,900
- Jul 17, 2026Active$374,900
- Jul 12, 2026Pending$374,900
- Apr 16, 2026Listed$374,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $163/sq ft; this home is listed at $194/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 540605 Lem Turner Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $315,000 | $159 | 4/2 | 1,980 | 25 | 0.1 |
| 54192 Jonas Drive, Callahan, FL 32011Listed by ROUND TABLE REALTY | Oct 2026 | $187,000 | $109 | 3/1.5 | 1,713 | 7 | 0.4 |
| 54591 Dornbush Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $254,000 | $195 | 3/2 | 1,305 | 28 | 0.5 |
| 54395 Vontz Circle, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $297,000 | $146 | 3/2 | 2,040 | 6 | 0.5 |
| 540316 Lem Turner Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $245,000 | $163 | 3/2 | 1,500 | 300 | 0.6 |
| 540324 Lem Turner Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Apr 2026 | $247,000 | $165 | 3/2 | 1,500 | 176 | 0.6 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REMI REALTY, LLC
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.
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