Sold·Closed Sep 25, 2026·48 days on market
45124 New Ogilvie Road
Callahan, FL 32011
About this home
Callahan
Completely remodeled and move-in ready in the heart of Callahan! This charming 3-bedroom, 2-bath home offers the perfect blend of modern updates and small-town comfort. Featuring all-new appliances, a stylish kitchen island, fresh finishes throughout, and a functional layout, this home is ideal for easy everyday living. Situated on a .29-acre lot with beautiful mature trees, there is plenty of outdoor space to enjoy, garden, entertain, or simply relax. With no HOA, this property offers flexibility and convenience while still being close to local shopping, dining, schools, and commuter routes. Located in an area known for highly rated schools and a welcoming small-town feel, this home is a wonderful opportunity for a primary residence, investment property, or low-maintenance downsizing option. Don't miss this beautifully updated Callahan home!
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.
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 K
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: material not specified — year not disclosed (home built 1955)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,625 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 10 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 | $144,291 | $108,100 | — |
| 2024 | $141,083 | $98,273 | — |
| 2023 | $119,014 | $89,339 | — |
| 2022 | $96,378 | $81,217 | — |
| 2021 | $80,483 | $73,834 | — |
| 2020 | $67,122 | $67,122 | — |
Estimated taxes if purchased at asking price: ~$4,200/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
- Sep 28, 2026Closed$285,000
- Jul 7, 2026Pending$285,000
- May 20, 2026Listed$285,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $237/sq ft; this home is listed at $264/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45124 New Ogilvie Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2025 | $80,000 | $74 | 3/2 | 1,080 | 4 | 0 |
| 45114 Oak Trail, Callahan, FL 32011Listed by EXIT INSPIRED REAL ESTATE | Jun 2025 | $320,000 | $237 | 3/2 | 1,352 | 26 | 0.2 |
| 45284 Booth Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Dec 2025 | $235,000 | $181 | 4/1.5 | 1,300 | 6 | 0.4 |
| 45110 Booth Street, Callahan, FL 32011Listed by NUVIEW REALTY | Jul 2026 | $325,000 | $260 | 3/2 | 1,251 | 141 | 0.6 |
| 45575 Ingleham Circle, Callahan, FL 32011Listed by RE/MAX BLUE COAST | Oct 2025 | $255,000 | $196 | 3/2 | 1,300 | 77 | 0.6 |
| 45043 Brinkley Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2025 | $295,000 | $238 | 3/2 | 1,242 | 29 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA
Sold by: FERNANDINA BEACH REALTY (buyer's brokerage)
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 25, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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