Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 42

Pending

Pending·135 days on market

542106 Lem Turner Road

Callahan, FL 32011

$405,000$241/sqftEst. $2,082/moMLS# 2140421

Beds

Baths

1,680

Sq Ft

1998

Built

—

Garage

Pool

About this home

Callahan

Sitting on 3 beautiful acres, 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

Mortgage calculator

Home Price

$405,000

Down Payment: 20%

$81,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,082

Principal & Interest: $2,082

Property taxes (est.): $559

Insurance (est.): $270

Estimated Total Monthly

$2,911

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,082

Property taxesest. at asking price, Nassau County$559

Estimated total, before insurance$2,641/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.

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.

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 home

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 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