Sold·Closed Aug 14, 2026·55 days on market
43562 Ratliff Road
Callahan, FL 32011
About this home
Callahan
New Construction ESTIMATED COMPLETION JULY 2026 ( STILL TIME TO PICK OUT COLORS)-This stunning 4-bedroom, 2-bathroom brick home offers 1,974 sq. ft. of thoughtfully designed living space on a generous acre lot. The open floor plan includes split bedrooms for added privacy and a separate dining area for formal or family gatherings. The kitchen and bathrooms are beautifully upgraded with quartz countertops, and the home features upgrades throughout, ensuring a perfect blend of modern elegance and functionality. The spacious master suite is a highlight, showcasing elegant tray ceilings and an en-suite bathroom with double vanity sinks, a relaxing soaking tub, and a walk-in shower. Conveniently located near top-rated ''A'' schools, this home combines modern living with a desirable location. Don't miss out on this incredible opportunity -schedule your showing today!NO HOA NO CDD FEES. Grass is digitally enhanced.
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 G
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 2026)
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).
Solar potential: ~1,565 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $86,612 | $53,743 | — |
| 2024 | $70,615 | $48,857 | — |
| 2023 | $68,030 | $44,415 | — |
| 2022 | $61,033 | $40,377 | — |
| 2021 | $49,448 | $36,706 | — |
| 2020 | $44,622 | $33,369 | — |
property taxes (current owner): $1,028/yr
Estimated taxes if purchased at asking price: ~$7,500/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
- Aug 14, 2026Closed$499,900
- Jul 27, 2026Pending$499,900
- Jul 13, 2026Active$499,900
- Jun 1, 2026Listed$499,900
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 $232/sq ft; this home is listed at $253/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 44041 Maplewood Court, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $499,000 | $321 | 3/3 | 1,555 | 5 | 0.1 |
| 44170 Woodland Circle, Callahan, FL 32011Listed by DALTON WADE INC | Sep 2026 | $360,000 | $172 | 3/2 | 2,093 | 208 | 0.5 |
| 44277 Woodland Circle, Callahan, FL 32011Listed by OPENDOOR BROKERAGE, LLC. | Jan 2026 | $305,500 | $203 | 3/2 | 1,502 | 37 | 0.7 |
| 43739 Ratliff Road, Callahan, FL 32011Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $297,000 | $190 | 4/1.5 | 1,566 | 56 | 0.8 |
| 44629 Woodland Circle, Callahan, FL 32011Listed by SELECT REALTY LLC | Jul 2026 | $430,000 | $232 | 3/2 | 1,853 | 17 | 0.8 |
| 43812 Freedom Drive, Callahan, FL 32011Listed by WATSON REALTY CORP | Oct 2025 | $463,000 | $261 | 3/2 | 1,772 | 146 | 0.8 |
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: FLORIDA HOMES REALTY & MTG LLC
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 Aug 14, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines