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Active

Active·52 days on market

540783 Lem Turner Road

Callahan, FL 32011

$365,000$178/sqftEst. $1,943/moMLS# 2146922

Beds

Baths

2,052

Sq Ft

2024

Built

—

Garage

Pool

About this home

Callahan

Welcome home to peaceful country living with the convenience of being just minutes from both Callahan and Jacksonville! This beautifully maintained fully sheet-rocked manufactured home sits on over an acre, offering space, privacy, and endless possibilities. Featuring 5 bedrooms plus a flexible bonus room perfect for a home office, playroom, or media space, this home is ideal for growing families. Two spacious guest bedrooms include walk-in closets and share two full baths, while the oversized primary suite offers double vanities, a large walk-in shower with seating, and an impressive walk-in closet with natural light. Enjoy upgraded vinyl flooring throughout, an open-concept living area, and a stunning kitchen with a large island, abundant cabinetry, and stainless appliances. The expansive yard is perfect for gardening, pets, and outdoor fun. Homes with this much space, land, and value are hard to find in today's market -- schedule your showing before it's gone!

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,844

Principal & Interest: $1,844

Est. Taxes & Insurance: $461

Estimated Total Monthly

$2,305

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$1,943

Property taxesest. at asking price, Nassau County$504

Estimated total, before insurance$2,447/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

Last sold: $65,000 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$290,365	$290,365	—
2024	$45,000	$45,000	—
2023	$45,000	$26,620	—
2022	$45,000	$24,200	—
2021	$30,000	$22,000	—
2020	$20,000	$20,000	—

2025 property taxes (current owner): $4,458/yr

Estimated taxes if purchased at asking price: ~$6,000/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 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 G

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

Roof: material not specified — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,317 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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