Active·8 days on market
542106 Lem Turner Road
Callahan, FL 32011
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Callahan
Sitting on 3 beautiful acres with a new roof with architectural shingles, this solid concrete block home offers both durability and peaceful country living. Elevated off the ground, it provides the perfect setting to relax on the front porch and take in the scenic views and evening breezes. Step outside and enjoy your own private pond, complete with gazebo-an ideal spot for quiet mornings or unwinding at the end of the day. On the east side of the property, you'll find a massive pole barn, perfect for storing large campers, boats or additional equipment. Inside, the home features tile flooring throughout and ceiling fans both inside and out, keeping the space comfortable year-round. Out back, enjoy your own private summer kitchen-perfect for cookouts, game days, and family gatherings. If you're looking for space, privacy, and functionality, this property is a must-see. Come experience it for yourself.
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.
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).
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 1998)
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: ~1,710 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:29 AM, sunset 6:56 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $350,169 | $332,749 | — |
| 2024 | $302,499 | $302,499 | — |
| 2023 | $293,405 | $293,405 | — |
| 2022 | $243,960 | $231,410 | — |
| 2021 | $220,134 | $210,373 | — |
| 2020 | $208,684 | $191,248 | ▲ $17,109 |
Estimated taxes if purchased at asking price: ~$6,700/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 7, 2026Active$405,000
- Aug 19, 2026Pending$405,000
- Apr 16, 2026Listed$405,000
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 $213/sq ft; this home is listed at $241/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45151 Kilpatrick Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $325,000 | $238 | 3/2 | 1,368 | 9 | 0.7 |
| 45094 S Mickler Street, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2025 | $120,000 | $65 | 4/3 | 1,854 | 20 | 0.8 |
| 45110 Booth Street, Callahan, FL 32011Listed by NUVIEW REALTY | Jul 2026 | $325,000 | $260 | 3/2 | 1,251 | 141 | 0.9 |
| 45196 American Dream Drive, Callahan, FL 32011Listed by CROSSVIEW REALTY | Apr 2026 | $463,500 | $213 | 3/2.5 | 2,175 | 172 | 1.1 |
| 55592 Deer Run Road SE, Callahan, FL 32011Listed by WATSON REALTY CORP | Jun 2026 | $390,000 | $208 | 4/2 | 1,872 | 72 | 1.4 |
| 45575 Ingleham Circle, Callahan, FL 32011Listed by RE/MAX BLUE COAST | Oct 2025 | $255,000 | $196 | 3/2 | 1,300 | 77 | 1.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA
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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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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines