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Sold

Sold·Closed Jul 31, 2026·17 days on market

44629 Woodland Circle

Callahan, FL 32011

$430,000sold priceListed at $450,000 · 95.6% of asking$232/sqftMLS# 2148733
3
Beds
2
Baths
1,853
Sq Ft
2011
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.24 acresSingle Family Residence1 story

About this home

Callahan

BRICK HOME ON 1.24 ACRE LOT IN CALLAHAN! This custom built home sits back from the road and has many extra features. With 3 bedrooms and 2 bathrooms all on one level, split floor plan, there are two bonus rooms - one sits off the primary bedroom which could be used as an office, den or glam room!! Large kitchen has plenty of cabinet space and overlooks large family room with french doors to back of home. Shed and small pond to rear of home with rear and side fence line. Well water with water softener. House is pre plumbed for gas if required. Seller is open to a flooring or closing cost credit for acceptable offer.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,382
Property taxesest. at asking price, Nassau County$594
Estimated total, before insurance$2,975/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,313/yr · $359/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$430,000
$86,000
Loan Term
Monthly Payment
$2,382
Principal & Interest: $2,382
Property taxes (est.): $594
Insurance (est.): $287
Estimated Total Monthly
$3,262
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 2011)

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: ~1,593 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

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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:27 AM, sunset 7:01 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $400,000 in June 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$323,816$270,563—
2024$311,624$260,697—
2023$300,748$250,748—
2022$199,003$77,254—
2021$184,214$73,548—
2020$171,968$71,141—

2025 property taxes (current owner): $4,313/yr

Estimated taxes if purchased at asking price: ~$7,100/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 11, 2026Closed$450,000
  • Jun 4, 2026Listed$450,000

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 $261/sq ft; this home is listed at $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
44277 Woodland Circle, Callahan, FL 32011Listed by OPENDOOR BROKERAGE, LLC.Jan 2026$305,500$2033/21,502370.3
44170 Woodland Circle, Callahan, FL 32011Listed by DALTON WADE INCSep 2026$360,000$1723/22,0932080.5
44041 Maplewood Court, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$499,000$3213/31,55550.8
43562 Ratliff Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$450,000$2284/21,974550.8
43812 Freedom Drive, Callahan, FL 32011Listed by WATSON REALTY CORPOct 2025$463,000$2613/21,7721460.9
44017 Green Meadows Lane, Callahan, FL 32011Listed by WATSON REALTY CORPJul 2025$615,000$2784/22,2132111.1

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

Price$450,000
Price / Sq Ft$243
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,853
Acres1.24 acres
Year Built2011
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouthwest

Community Information

Address44629 Woodland Circle, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionWoodland Estates
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size54,014.4 sq ft
Parcel Number161N25291200050200
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Freezer, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

RoofShingle
ConstructionBrick
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 4, 2026
Days on Market17
Tax Amount$4,312.86
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SELECT REALTY 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 31, 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.

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20+ years · 500+ closings · NE Florida

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