Active·157 days on market
45167 Annie Laura Street
Callahan, FL 32011
See it this week
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
ATTENTION SERIOUS INVESTORS - 3 addresses, 3 separate townhomes, immediate income. 45151, 45167, and 45159 Annie Laura St, Callahan, FL A rare opportunity to acquire three fully leased, two story residences within the Annie Laura community, offered together as one streamlined investment. Each unit features three bedrooms, two and a half baths, an attached single car garage, and a private backyard, delivering the space and functionality today's tenants desire. All units are currently leased, creating immediate, consistent cash flow. Interiors are designed for practical, low maintenance living with included appliances and efficient layouts that support long term occupancy and ease of management. Positioned in a quiet setting with steady rental demand, this is a clean, turn key acquisition for investors seeking multiple doors in one move with built in income already performing.
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).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone H
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: material not specified — year not disclosed (home built 2023)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,617 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 23 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 6 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 6 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 6 mi · Thomas Creek
Closest youth league fields
Dinsmore Park and Community Centerabout 11 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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 | $218,594 | $218,594 | — |
| 2024 | $209,284 | $209,284 | — |
| 2023 | $30,000 | $2,407 | ▲ $27,812 |
2025 property taxes (current owner): $3,238/yr
Estimated taxes if purchased at asking price: ~$10,900/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
- May 12, 2026Listed$659,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ATLANTIC SALT REALTY
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.
Keep looking
More homes in Metes & Bounds
For Sale6647 Jammes RoadJacksonville, FL 32244
0 bd · 4 ba · 864 sq ft
$650,000Est. $3,460/moRare opportunity to own 5.87 acres zoned Residential Rural (2 or less units per acre), offering privacy, flexibility,…
Listing Office: united real estate gallery
For Sale240 Sisco RoadPomona Park, FL 32181
3 bd · 2 ba · 2,969 sq ft
$650,000Est. $3,460/moTHE ERWIN-LINKE-SHIRLEY HOME aka: THE PINK HOUSE. STEP BACK IN TIME AND DISCOVER THE TIMELESS ELEGANCE OF THIS…
Listing Office: century 21 triton realty
For Sale8160 Wendover RoadSt. Augustine, FL 32092
4 bd · 3 ba · 2,128 sq ft
$649,900Est. $3,459/moWake up to the beauty of true Florida waterfront living in this stunning deep-water retreat complete with a private…
Listing Office: north florida real estate partners inc
For Sale3684 Main StreetMiddleburg, FL 32068
3 bd · 2.5 ba · 2,012 sq ft
$675,000Est. $3,593/moCustom waterfront home on 140 feet of North Fork Black Creek frontage, offering a private setting with direct access to…
Listing Office: coldwell banker vanguard realty
Keep looking
Similar homes in Callahan
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines