Active·121 days on market
45388 Dixie Avenue
Callahan, FL 32011
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Callahan
Excellent investment opportunity in the heart of Callahan! Located directly across from the historic Callahan Train Depot, this well-maintained concrete block duplex on half an acre offers strong rental potential and numerous recent upgrades. Each unit features a comfortable 2-bedroom, 1-bath floor plan with updated interiors, including custom cabinetry, new flooring, and remodeled living spaces. Approximately $70,000 in improvements have been completed within the last two years, enhancing both units for long-term value and tenant appeal. Property features include city water and sewer service, two carports, and additional storage space for each unit. Built with durable concrete block construction, and recently renovated, this duplex offers a low-maintenance investment in a growing Nassau County location. Conveniently situated near downtown Callahan, schools, shopping, dining, and major commuter routes, this property is ideal for investors seeking immediate income potential or owner-oc
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 (that applies to the reference bill above too).
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 K
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Metal — year not disclosed (home built 1960)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0038407 - Callahan WWTF · Public water (record)
County records show this parcel on central sewer served by FL0038407 - Callahan WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,637 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 | $385,924 | $271,481 | — |
| 2024 | $375,369 | $246,801 | — |
| 2023 | $322,849 | $224,365 | — |
| 2022 | $222,327 | $203,968 | — |
| 2021 | $185,425 | $185,425 | — |
| 2020 | $179,188 | $179,188 | — |
2025 property taxes (current owner): $4,730/yr
Estimated taxes if purchased at asking price: ~$7,900/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
- Jul 14, 2026Price change$475,000−$24,000
- Jun 15, 2026Listed$499,000
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 $150/sq ft; this home is listed at $249/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45047 Amhurst Oaks Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $335,000 | $150 | 4/2.5 | 2,232 | 104 | 0.4 |
| 45168 Ingleham Circle, Callahan, FL 32011Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $356,000 | $162 | 4/2 | 2,198 | 35 | 0.5 |
| 45094 S Mickler Street, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTY | Apr 2025 | $120,000 | $65 | 4/3 | 1,854 | 20 | 0.6 |
| 45053 R Jones Road, Callahan, FL 32011Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $275,000 | $139 | 4/3 | 1,976 | 100 | 1.2 |
| 40041 Whipporwill Lane, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $231,000 | $134 | 3/2 | 1,728 | 44 | 1.4 |
| 35742 Quail Road, Callahan, FL 32011Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLC | Jul 2026 | $445,000 | $243 | 3/2 | 1,828 | 10 | 1.5 |
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: FERNANDINA BEACH REALTY
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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Krista Fracke
Broker Associate
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