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Active Under Contract

Active Under Contract·42 days on market

44629 Woodland Circle

Callahan, FL 32011

$450,000$243/sqftEst. $2,395/moMLS# 2148733

Beds

Baths

1,853

Sq Ft

2011

Built

Garage

Pool

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

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,287

Principal & Interest: $2,287

Est. Taxes & Insurance: $572

Estimated Total Monthly

$2,859

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,395

Property taxesest. at asking price, Nassau County$621

Estimated total, before insurance$3,016/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: $400,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
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: ~$7,500/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.

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

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