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Active Under Contract

Active Under Contract·70 days on market

44024 Breezy Lane

Callahan, FL 32011

$479,000$226/sqftEst. $2,463/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: 6.66%

Loan Term

Monthly Payment

$2,463

Principal & Interest: $2,463

Property taxes (est.): $661

Insurance (est.): $319

Estimated Total Monthly

$3,443

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,463

Property taxesest. at asking price, Nassau County$661

Estimated total, before insurance$3,124/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).

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

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.

History