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Active

Active·44 days on market

43562 Ratliff Road

Callahan, FL 32011

$499,900$253/sqftEst. $2,661/moMLS# 2148142

Beds

Baths

1,974

Sq Ft

2026

Built

Garage

Pool

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

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,525

Principal & Interest: $2,525

Est. Taxes & Insurance: $631

Estimated Total Monthly

$3,156

*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$2,661

Property taxesest. at asking price, Nassau County$690

Estimated total, before insurance$3,351/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

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: ~$8,300/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: 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 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

Price & status history

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.

Features

Price$499,900

Price / Sq Ft$253

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,974

Acres1.19 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryCallahan

MiddleCallahan

HighWest Nassau

Community Information

Address43562 Ratliff Road, Callahan, FL 32011

Area492-Nassau County-W Of I-95/N To State Line

SubdivisionMetes & Bounds

CityCallahan

CountyNassau

StateFL

Zip Code32011

Lot Size51,836.4 sq ft

Parcel Number16-1N-25-0000-0011-0030

Amenities

UtilitiesCable Not Available, Electricity Available, Water Available

SewerSeptic Tank

Water SourcePublic, Well

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories1

SecuritySmoke Detector(s)