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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Sep 4, 2026·42 days on market

44024 Breezy Lane

Callahan, FL 32011

$465,000sold priceListed at $479,000 · 97.1% of asking$219/sqftMLS# 2151404
4
Beds
3
Baths
2,120
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XNo HOA0.51 acresSingle Family Residence1 story

About this home

Callahan

Experience the charm of country living in the heart of Callahan, one of Nassau County's most beloved communities known for its rich railroad history, wide-open spaces, and welcoming small-town atmosphere. This brand-new 2025 single-family home offers 4 bedrooms, 3 bathrooms, and sits on a generous 0.51-acre parcel, providing the perfect blend of modern comfort and rural tranquility. With its thoughtfully designed single-story layout and spacious homesite, this property is ideal for those seeking room to live, grow, and enjoy the Florida lifestyle. Step inside to discover a bright and inviting interior featuring durable luxury vinyl plank flooring complemented by tile flooring in select areas. The open-concept floor plan creates a seamless flow between the living, dining, and kitchen spaces, making everyday living and entertaining effortless. The well-appointed kitchen comes complete with an electric range, electric oven, microwave, refrigerator, and dishwasher, providing everything

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$2,576
Property taxesest. at asking price, Nassau County$642
Estimated total, before insurance$3,218/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$553/yr · $46/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

$465,000
$93,000
Loan Term
Monthly Payment
$2,576
Principal & Interest: $2,576
Property taxes (est.): $642
Insurance (est.): $310
Estimated Total Monthly
$3,528
*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: material not specified — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,687 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.

Cost to own

Taxes & assessment

Last sold: $45,000 in April 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$36,000$36,000—
2024$30,000$15,373—
2023$40,000$13,975—
2022$30,000$12,705—
2021$15,000$11,550—
2020$10,500$10,500—

2025 property taxes (current owner): $553/yr

Estimated taxes if purchased at asking price: ~$7,700/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

  • Sep 4, 2026Closed$479,000
  • Aug 1, 2026Active Under Contract$479,000
  • Jun 19, 2026Listed$479,000

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 $187/sq ft; this home is listed at $226/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
44016 Breezy Lane, Callahan, FL 32011Listed by MOMENTUM REALTYOct 2026$379,000$2373/21,600280
44051 Little Sweetgum Lane, Callahan, FL 32011Listed by ACHIEVE REALTY GROUP LLCMar 2026$378,500$1874/22,02440.1
40041 Whipporwill Lane, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$231,000$1343/21,728440.6
45094 S Mickler Street, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTYApr 2025$120,000$654/31,854201.7
44046 Cross Creek Boulevard, Callahan, FL 32011Listed by REAL BROKER LLCOct 2026$320,000$1654/21,944332.3
35061 Karen Road, Callahan, FL 32011Listed by CB ISAAC REALTYApr 2026$445,000$2783/21,6001792.3

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$479,000
Price / Sq Ft$226
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,120
Acres0.51 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address44024 Breezy Lane, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size22,215.6 sq ft
Parcel Number061N25199S02300000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener, RV Access/Parking

Interior

Interior FeaturesBuilt-in Features, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Patio
Other StructuresShed(s)

Additional Information

Date ListedJune 19, 2026
Days on Market42
Tax Amount$552.66
Tax Year2025
Listing TermsCash, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOMENTUM REALTY

Sold by: REDFIN CORPORATION (buyer's brokerage)

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 Sep 4, 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.

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