Active Under Contract·47 days on market
45151 Kilpatrick Road
Callahan, FL 32011
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Callahan
*NEW A/C & WELL!* Step into the charm of an original farmhouse thoughtfully updated while preserving the details that make this home unique! Warm wood floors, exposed beams, a brick fireplace, tall baseboards, and beautiful wood casings around the newer windows create a welcoming blend of timeless character and modern comfort. The home features a spacious owner's suite with an upgraded en-suite bath, two additional bedrooms, and an upgraded hall bath. The large family room is currently being used as a master bedroom, offering additional space and flexibility. It can easily be enjoyed as a spacious bedroom, second living area, home office, or entertaining space to suit your needs. The kitchen blends farmhouse charm with modern convenience, featuring updated flooring, tile backsplash, and full appliances. Enjoy the peaceful one-acre setting from the Florida room or front porch. A large detached garage provides additional storage and workspace. With thoughtful updates, original
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: Metal — year not disclosed (home built 1940)
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: ~1,487 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,899/yr
Estimated taxes if purchased at asking price: ~$5,400/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
- Sep 2, 2026Active Under Contract$325,000
- Aug 24, 2026Listed$325,000
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 $260/sq ft; this home is listed at $238/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45186 Bismark Road, Callahan, FL 32011Listed by ROOT REALTY LLC | Aug 2025 | $390,900 | $335 | 3/2 | 1,166 | 29 | 0.3 |
| 54106 Amblerwood Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $475,000 | $307 | 3/2 | 1,546 | 84 | 1.3 |
| 51065 Bloomington Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $387,500 | $252 | 3/2 | 1,535 | 16 | 1.4 |
| 45025 Mahoney Street, Callahan, FL 32011Listed by PALM III REALTY AND PROPERTY M | May 2026 | $265,000 | $235 | 3/2 | 1,128 | 137 | 1.4 |
| 45110 Booth Street, Callahan, FL 32011Listed by NUVIEW REALTY | Jul 2026 | $325,000 | $260 | 3/2 | 1,251 | 141 | 1.5 |
| 54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $350,000 | $201 | 3/2 | 1,744 | 5 | 1.6 |
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: FLORIDA HOMES REALTY & MTG LLC
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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Krista Fracke
Broker Associate
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