Sold·Closed Sep 15, 2026·15 days on market
43457 Ratliff Road
Callahan, FL 32011
About this home
Callahan
*****OPEN HOUSE 8/22-8/23 FROM 12PM-2PM ***** ONE-OF-A-KIND all-brick home on 5 acres of high-and-dry property with OR zoning and NO HOA or CDD fees! The main home offers 3 bedrooms, 2 baths, a climate-controlled Florida room, 2-car garage, fireplace, fresh paint, and updated kitchen and baths. A renovated detached 2-bedroom, 1.5-bath mother-in-law suite features a full kitchen, family room, perfect for guests, extended family, or additional living space. Enjoy an in-ground pool, approximately ½-acre spring-fed pond connected to an artesian well with fountain for water circulation, plus a covered 2-car parking area This property offers privacy, versatility, and endless possibilities. Roofs replaced in 2020. A truly rare opportunity!
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.
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 K
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 1977)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,652 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 homeAs 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 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
- Sep 16, 2026Closed$649,999
- Aug 25, 2026Pending$649,999
- Aug 19, 2026Listed$649,999
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 $196/sq ft; this home is listed at $241/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 44170 Woodland Circle, Callahan, FL 32011Listed by DALTON WADE INC | Sep 2026 | $360,000 | $172 | 3/2 | 2,093 | 208 | 0.5 |
| 43562 Ratliff Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $450,000 | $228 | 4/2 | 1,974 | 55 | 0.5 |
| 44017 Green Meadows Lane, Callahan, FL 32011Listed by WATSON REALTY CORP | Jul 2025 | $615,000 | $278 | 4/2 | 2,213 | 211 | 1.2 |
| 44046 Cross Creek Boulevard, Callahan, FL 32011Listed by REAL BROKER LLC | Oct 2026 | $320,000 | $165 | 4/2 | 1,944 | 33 | 1.8 |
| 54002 Evergreen Trail, Callahan, FL 32011Listed by WATSON REALTY CORP | Aug 2025 | $435,000 | $196 | 3/2 | 2,219 | 27 | 2.1 |
| 54086 Heller Road, Callahan, FL 32011Listed by REAL BROKER LLC | Aug 2025 | $205,000 | $87 | 3/2 | 2,355 | 21 | 2.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PARADIGM VISION GROUP
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 15, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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