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Active·7 days on market

46171 Sauls Road

Callahan, FL 32011

$1,190,000$296/sqftEst. $6,118/moMLS# 2161467

Beds

Baths

4,022

Sq Ft

2005

Built

Garage

Pool

About this home

Callahan

Welcome to the property that checks nearly every box! Set on approximately 40 acres in Callahan, this extraordinary country estate offers 4,022 square feet of living space and a lifestyle increasingly difficult to find. Inside, spacious living areas, hardwood floors, granite countertops and thoughtful details make the home every bit as impressive as the land surrounding it. Step outside and the property truly tells its story. A 4-stall horse barn creates a beautiful backdrop, while an impressive footbridge invites you to wander and explore. Approximately 33 acres are currently agriculture exempt, offering versatility for horses, livestock or simply preserving the privacy and wide-open spaces. A fenced play area for kids and pets, a home generator and multiple outbuildings add function to this remarkable property. Whether you envision horses in the pasture, peaceful mornings or evenings entertaining family and friends, 46171 Sauls Road is more than a home--it's a lifestyl

Cost to own

Mortgage calculator

Home Price

$1,190,000

Down Payment: 20%

$238,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,118

Principal & Interest: $6,118

Property taxes (est.): $1,643

Insurance (est.): $793

Estimated Total Monthly

$8,554

*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$6,118

Property taxesest. at asking price, Nassau County$1,643

Estimated total, before insurance$7,761/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,485/yr · $624/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): $7,485/yr

Estimated taxes if purchased at asking price: ~$19,700/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: Shingle — year not disclosed (home built 2005)

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: ~1,663 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 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

Aug 24, 2026Listed$1,190,000

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

Features

Price$1,190,000

Price / Sq Ft$296

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage4,022

Acres40.95 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryCallahan

MiddleCallahan

HighWest Nassau

Community Information

Address46171 Sauls Road, Callahan, FL 32011

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

SubdivisionMetes & Bounds

CityCallahan

CountyNassau

StateFL

Zip Code32011

Lot Size1,783,782 sq ft

Parcel Number313N25000000010010

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingAttached, Carport, Covered, Detached Carport, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wet Bar, Other

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)