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Active

Active·9 days on market

54392 Sherwood Road

Callahan, FL 32011

$400,000$280/sqftEst. $2,129/moMLS# 2154094

Beds

Baths

1,431

Sq Ft

1991

Built

Garage

Pool

About this home

Callahan

Escape the hustle without sacrificing convenience! Nestled on 1.13 acres in Callahan, this well-maintained 3-bedroom, 2-bath home offers the peaceful setting you've been looking for while remaining just a short drive to shopping, dining, and Jacksonville. Inside, you'll find 1,431 square feet of comfortable living space with fresh interior paint, spacious living areas, and a functional kitchen with ample cabinetry. Major updates include a 2022 roof, 2023 water heater, 2025 septic and dosing tank installation, water filtration system, and HVAC (2015). Outside, enjoy room to spread out with mature trees, an attached garage, and a 24' x 30' RV cover complete with a 220-volt hookup--perfect for your RV, boat, or additional covered storage. If you've been dreaming of more space, privacy, and endless possibilities, this property is ready to welcome you home. Some photographs have been virtually staged to illustrate the home's potential.

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,129

Property taxesest. at asking price, Nassau County$552

Estimated total, before insurance$2,681/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: $350,000 in January 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$282,040	$282,040	—
2023	$183,015	$48,028	—
2022	$155,090	$45,173	—
2021	$128,169	$42,401	—
2020	$113,052	$41,125	—

2025 property taxes (current owner): $3,945/yr

Estimated taxes if purchased at asking price: ~$6,600/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.

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 G

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

Roof: material not specified — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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).

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