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Active

Active·97 days on market

540783 Lem Turner Road

Callahan, FL 32011

$364,500$178/sqftEst. $1,874/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

$364,500

Down Payment: 20%

$72,900

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,874

Principal & Interest: $1,874

Property taxes (est.): $503

Insurance (est.): $243

Estimated Total Monthly

$2,620

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$1,874

Property taxesest. at asking price, Nassau County$503

Estimated total, before insurance$2,377/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,458/yr · $371/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, 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).

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

As 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.

History