Active·57 days on market
54198 Lawhon Road S
Callahan, FL 32011
About this home
Callahan
STOP SCROLLING -- THIS ONE CHECKS ALL THE BOXES! 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 That means you can move in and enjoy your home instead of immediately worrying about the roof, HVAC, septic, or electrical system. Then step outside and appreciate what makes this property especially hard to duplicate! Owner is a Licensed RE agent.
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, 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 | $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.
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: 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.
Ask about this homeAs 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
Price & status history
- 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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REMI REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
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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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines