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Sold

Sold·Closed Aug 24, 2026·16 days on market

51065 Bloomington Way

Callahan, FL 32011

$387,500sold priceListed at $399,000 · 97.1% of asking$252/sqftMLS# 2153939
3
Beds
2
Baths
1,535
Sq Ft
2016
Built
2
Garage
No
Pool
FEMA Zone AEHOA $18/mo2.33 acresWaterfrontSingle Family Residence1 story

About this home

Callahan

Back on the Market. Discover the privacy and freedom of owning 2.33 beautiful acres complete with a private pond, fully fenced backyard, and plenty of space to enjoy the North Florida lifestyle. This move-in-ready 3-bedroom, 2-bath brick home offers 1,535 square feet of comfortable living with modern updates, peaceful views, and room to spread out. Inside, luxury vinyl plank flooring flows throughout the main living areas, complemented by modern lighting and a stunning gas fireplace with a custom TV nook that creates the perfect gathering space for family and friends. The bright, updated kitchen features white cabinetry, an eat-in dining area, generous counter space, and an efficient layout designed for everyday living and entertaining. French doors lead directly to the screened porch, seamlessly connecting indoor and outdoor living while overlooking your backyard, pond, and fire pit. The spacious owner's suite offers remote-operated window shades and a private ensuite

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$2,146
Property taxesest. at asking price, Nassau County$535
HOAbilled annually$18
Estimated total, before insurance$2,700/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,196/yr · $350/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

$387,500
$77,500
Loan Term
Monthly Payment
$2,146
Principal & Interest: $2,146
Property taxes (est.): $535
Insurance (est.): $258
Estimated Total Monthly
$2,940
*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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,761 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

YearMarket valueTaxable valueChange
2024$337,578$258,386—
2023$327,448$249,258—
2022$295,396$240,396—
2021$205,136$119,027—
2020$190,858$116,693—

2024 property taxes (current owner): $4,196/yr

Estimated taxes if purchased at asking price: ~$6,400/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 (2024), NEFMLS.

History

Price & status history

  • Aug 24, 2026Closed$399,000
  • Jul 22, 2026Active Under Contract$399,000
  • Jul 21, 2026Active$399,000
  • Jul 14, 2026Active Under Contract$399,000
  • Jul 6, 2026Listed$399,000

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 $214/sq ft; this home is listed at $260/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
52185 Albany Place, Callahan, FL 32011Listed by MARK SPAIN REAL ESTATEMay 2025$411,000$2154/21,915340.2
54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$350,000$2013/21,74450.3
44046 Cross Creek Boulevard, Callahan, FL 32011Listed by REAL BROKER LLCOct 2026$320,000$1654/21,944331.2
54332 Pelican Road, Callahan, FL 32011Listed by WOODS TO WATER PROPERTIES LLCAug 2026$235,000$2043/21,152901.2
54106 Amblerwood Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$475,000$3073/21,546841.3
54230 Heller Road, Callahan, FL 32011Listed by EXP REALTY LLCSep 2026$375,000$2143/2.51,7503321.4

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$399,000
Price / Sq Ft$260
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,535
Acres2.33 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address51065 Bloomington Way, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size101,494.8 sq ft
Parcel Number031N25061500240000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAttached, Garage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat
AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

Exterior FeaturesFire Pit
Patio / PorchScreened
FencingOther, Back Yard
RoofShingle
ConstructionBrick
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJuly 6, 2026
Days on Market16
HOA Fees$220 / Annually
HOA FrequencyAnnually
Tax Amount$4,196.28
Tax Year2024
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 24, 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.

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20+ years · 500+ closings · NE Florida

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