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Active

Active·26 days on market

44024 Breezy Lane

Callahan, FL 32011

$479,000$226/sqftEst. $2,549/moMLS# 2151404

Beds

Baths

2,120

Sq Ft

2025

Built

Garage

Pool

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

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,420

Principal & Interest: $2,420

Est. Taxes & Insurance: $605

Estimated Total Monthly

$3,024

*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$2,549

Property taxesest. at asking price, Nassau County$661

Estimated total, before insurance$3,211/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: $45,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
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: ~$7,900/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.

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

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