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Active

Active·65 days on market

45167 Annie Laura Street

Callahan, FL 32011

$659,000$150/sqftEst. $3,507/moMLS# 2144944

Beds

Baths

4,380

Sq Ft

2023

Built

Garage

Pool

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

Mortgage calculator

Home Price

$659,000

Down Payment: 20%

$131,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,350

Principal & Interest: $3,350

Est. Taxes & Insurance: $837

Estimated Total Monthly

$4,187

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,507

Property taxesest. at asking price, Nassau County$910

Estimated total, before insurance$4,417/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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	$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.

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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History