$479,9003 bd · 3 ba · 2,658 sq ft
Active·26 days on market
55534 Deer Run Road
Callahan, FL 32011
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About this home
Callahan
PRICE IMPROVEMENT PLUS UP TO 1OK RATE BUY DOWN!! Welcome home to this spacious, stunning and meticulously updated home located in the desirable Spring Lakes Subdivision of Callahan. Offering 2658 sq ft of heated living space, this 3 BDRM, 3 BATH home with a dedicated home office / flex room delivers the perfect blend of modern luxury, comfort and freedom with NO HOA!! Step inside through the grand entrance boasting soaring 14.6' ceilings that set an immediate tone of elegance. the thoughtful split bdrm floor plan features a formal living room, a formal dining room, and an expansive family room ideal for family gatherings. Beautiful french doors and plantation shutters run throughout. The Kitchen, heart of the home, has been fully remodeled and flows seamlessly into the breakfast nook and breakfast bar. Featuring modern finishes and a spacious pantry, it's designed for both casual family meals and effortless entertaining. Unwind in the expansive master suite, complete with a
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 — year not disclosed (home built 2004)
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: ~1,736 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.
As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 20 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 5 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 3 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 3 mi · Thomas Creek
Closest grocery store
Winn-Dixieabout 2 mi · 450078 Sr 200, Callahan
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,932/yr
Estimated taxes if purchased at asking price: ~$8,000/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, NEFMLS.
History
Price & status history
- Oct 22, 2026Price change$479,900−$10,000
- Oct 14, 2026Active$489,900
- Oct 1, 2026Pending$489,900
- Sep 17, 2026Active Under Contract$489,900
- Sep 17, 2026Active$489,900
- Aug 15, 2026Pending$489,900
- Aug 7, 2026Listed$489,900
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 $208/sq ft; this home is listed at $181/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 55592 Deer Run Road SE, Callahan, FL 32011Listed by WATSON REALTY CORP | Jun 2026 | $390,000 | $208 | 4/2 | 1,872 | 72 | 0.1 |
| 55398 Deer Run Road, Callahan, FL 32011Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Aug 2026 | $525,000 | $204 | 4/3 | 2,575 | 25 | 0.3 |
| 55214 Yellow Jacket Drive, Callahan, FL 32011Listed by RE/MAX SPECIALISTS | Feb 2026 | $490,000 | $186 | 4/2.5 | 2,631 | 97 | 0.3 |
| 55370 Deer Run Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | May 2025 | $495,000 | $256 | 3/3 | 1,933 | 4 | 0.3 |
| 55012 Deer Run Road, Callahan, FL 32011Listed by LA ROSA REALTY NORTH FLORIDA, LLC. | Apr 2026 | $548,000 | $233 | 3/2 | 2,349 | 22 | 0.4 |
| 55056 Yellow Jacket Drive, Callahan, FL 32011Listed by GAILEY ENTERPRISES LLC | Sep 2025 | $450,000 | $194 | 4/3 | 2,324 | 59 | 0.4 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH 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.
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