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Pending

Pending·36 days on market

44046 Cross Creek Boulevard

Callahan, FL 32011

$330,000$170/sqftEst. $1,697/moMLS# 2156708

Beds

Baths

1,944

Sq Ft

1999

Built

Garage

Pool

About this home

Callahan

Situated on a Full Acre, this recently remodeled 4-bedroom, 2-bathroom home offers plenty of space to relax, entertain, and enjoy peaceful country living. Inside, you'll find nearly 2,000 square feet of thoughtfully designed living space with a comfortable layout perfect for everyday living. The main living area seamlessly flows into the designated dining space and is just steps away from the generously sized kitchen. The kitchen features abundant cabinet storage, ample countertop space, stainless steel appliances, and an oversized window overlooking the front yard, filling the space with natural light. Step outside and take in the serene surroundings from the screened-in porch, or venture further to the picturesque pond that creates the perfect backdrop for relaxing evenings around the fire pit. The property also includes a garage offering additional storage and workspace, along with a convenient RV pad.

Cost to own

Mortgage calculator

Home Price

$330,000

Down Payment: 20%

$66,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,697

Principal & Interest: $1,697

Property taxes (est.): $456

Insurance (est.): $220

Estimated Total Monthly

$2,372

*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$1,697

Property taxesest. at asking price, Nassau County$456

Estimated total, before insurance$2,152/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,266/yr · $189/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): $2,266/yr

Estimated taxes if purchased at asking price: ~$5,500/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 K

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

Roof: Metal — year not disclosed (home built 1999)

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: ~1,722 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