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Active Under Contract

Active Under Contract·13 days on market

45144 Musslewhite Road

Callahan, FL 32011

$609,900$345/sqftEst. $3,110/moMLS# 2156688

Beds

Baths

1,770

Sq Ft

2011

Built

—

Garage

Pool

About this home

Callahan

LOBLOLLY ACRES can be your piece of heaven in Callahan, Fl. Situated on over 10 acres, this beautiful property creates a quiet, private farm-like retreat for new owners with a stocked pond, 2 green houses, large orchard, 4 horse stalls, fenced barn yard, handy out buildings, numerous trees, donkey and goat shelters, a chicken pen plus full RV hookup and much more! Approximately 75% of the property is cleared. The pond has an awesome fountain, plus a stationary and floating dock. The current owners have made many upgrades and thoughtful improvements since purchasing the property 3 yrs ago. Grow your own veggies, raise chickens, goats and horses--almost endless possibilities exist here! A detailed list of updates is in the Documents tab, also a survey and floor plan. Please view all the colorful photos and set up a tour of this amazing property. It is truly one of a kind and waiting for the next family to enjoy.

Cost to own

Mortgage calculator

Home Price

$609,900

Down Payment: 20%

$121,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,110

Principal & Interest: $3,110

Property taxes (est.): $842

Insurance (est.): $407

Estimated Total Monthly

$4,358

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,110

Property taxesest. at asking price, Nassau County$842

Estimated total, before insurance$3,952/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,014/yr · $251/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

2025 property taxes (current owner): $3,014/yr

Estimated taxes if purchased at asking price: ~$10,100/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, 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 H

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

Roof: Metal — year not disclosed (home built 2011)

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: ~1,745 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 2, 2026Active Under Contract$609,900
Jul 23, 2026Listed$609,900

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

Features

Price$609,900

Price / Sq Ft$345

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,770

Acres10.28 acres

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Carport Spaces3

Has PoolNo

Is WaterfrontNo

Direction FacesWest

Community Information

Address45144 Musslewhite Road, Callahan, FL 32011

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

SubdivisionCallahan

CityCallahan

CountyNassau

StateFL

Zip Code32011

Lot Size447,796.8 sq ft

Parcel Number172N25000000030210

ZoningZoned for Horses

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached, Attached Carport, Carport, Circular Driveway, RV Access/Parking

ViewPond, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Ice Maker, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup