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Active

Active·68 days on market

43209 Keen Cemetery Road

Callahan, FL 32011

$365,000$228/sqftEst. $1,876/moMLS# 2151710

Beds

Baths

1,600

Sq Ft

1990

Built

—

Garage

Yes

Pool

About this home

Callahan

Bring your swimming gear, chickens, and goats! If you've been searching for space, privacy, and the freedom to live without HOA or CDD restrictions! This 3 bedroom, 2 bathroom pool home that sits on a full acre deserves a closer look. Located on a dead-end road with very little through traffic, this property offers approximately 1,600 square feet of living space near Callahan with the benefits of country living. Spend your weekends enjoying the in ground pool, relaxing on the covered patio, entertaining, gardening, or simply appreciating room to spread out. You can fix up the old chicken coop to add homestead appeal and puts you one step closer to the sustainable country lifestyle so many buyers are searching for. Whether you're looking for room for animals, outdoor hobbies, or fewer restrictions, this home offers flexibility that's becoming increasingly difficult to find. Come experience the possibilities of life on your own acre.

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,876

Principal & Interest: $1,876

Property taxes (est.): $504

Insurance (est.): $243

Estimated Total Monthly

$2,624

*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$1,876

Property taxesest. at asking price, Nassau County$504

Estimated total, before insurance$2,380/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,681/yr · $140/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

Year	Market value	Taxable value	Change
2025	$313,877	$99,138	—
2024	$291,583	$95,637	—
2023	$280,623	$91,395	—
2022	$214,062	$87,277	—
2021	$211,546	$161,546	—
2020	$138,599	$79,609	—

2025 property taxes (current owner): $1,681/yr

Estimated taxes if purchased at asking price: ~$6,000/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: Metal — year not disclosed (home built 1990)

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: ~1,698 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

Price & status history

Aug 12, 2026Price change$365,000−$10,000
Jun 22, 2026Listed$375,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$365,000

Price / Sq Ft$228

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,600

Total Structure Area1,714 sq ft

Acres1.00 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Community Information

Address43209 Keen Cemetery Road, Callahan, FL 32011

Area492-Nassau County-W Of I-95/N To State Line

SubdivisionMetes & Bounds

CityCallahan

CountyNassau

StateFL

Zip Code32011

Lot Size43,560 sq ft

Parcel Number241N24075000030201

ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingRV Access/Parking

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup