Active Under Contract·62 days on market
43739 Ratliff Road
Callahan, FL 32011
About this home
Callahan
BACK ON MARKET to no fault of the seller! Welcome to peaceful country living in Callahan! Situated on 1.29 acres, this beautifully remodeled home has been updated with exceptional attention to detail and is completely move-in ready. From the modern finishes to the thoughtfully designed living spaces, every inch of this home has been renovated to perfection. Enjoy the privacy and freedom of a spacious lot while still being conveniently located near Jacksonville and surrounding areas. Whether you're looking for room to relax, entertain, or simply enjoy a quieter lifestyle, this property offers the perfect blend of comfort, style, and space.
Cost to own
Mortgage calculator
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, 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
Last sold: $315,000 in April 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $304,951 | $304,951 | — |
| 2024 | $282,899 | $220,306 | — |
| 2023 | $262,433 | $212,433 | — |
| 2022 | $207,221 | $136,597 | — |
| 2021 | $181,162 | $131,162 | — |
| 2020 | $167,376 | $167,376 | — |
2025 property taxes (current owner): $4,682/yr
Estimated taxes if purchased at asking price: ~$5,000/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 — year not disclosed (home built 1961)
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).
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeInformational 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
Price & status history
- Jul 9, 2026Active Under Contract$299,900
- May 14, 2026Listed$299,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HASSLE-FREE REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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