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Active

Active·113 days on market

0 Dyal Road

Callahan, FL 32011

$550,000Est. $2,825/moMLS# 2142707

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

Callahan

Set on 11.89 acres, which can be subdivided, this exceptional property is cleared and ready for your dream build. A peaceful farm pond adds charm and natural beauty, while paved access ensures convenience year-round. The property is framed with an attractive wood board fence, offering both character and a sense of privacy. Whether you envision a custom home, equestrian retreat, or private getaway, this land provides a perfect blend of open space, accessibility, and scenic appeal. Located just minutes from the heart of Callahan, you'll enjoy nearby parks, local shopping, dining, and highly rated Nassau County schools, while still having quick access to Jacksonville for expanded amenities. Buyer to do their due diligence.

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,825

Principal & Interest: $2,825

Property taxes (est.): $759

Insurance (est.): $367

Estimated Total Monthly

$3,951

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,825

Property taxesest. at asking price, Nassau County$759

Estimated total, before insurance$3,584/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,497/yr · $208/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $175,000 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$162,651	$162,651	—
2024	$157,598	$157,598	—
2023	$157,598	$157,598	—
2022	$98,120	$98,120	—

2025 property taxes (current owner): $2,497/yr

Estimated taxes if purchased at asking price: ~$9,100/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 K

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

Roof: material not specified

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: ~1,726 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