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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active Under Contract

$629,000Active Under Contract3 bd · 2 ba · 2,862 sq ft

Active Under Contract·74 days on market

35739 Quail Road

Callahan, FL 32011

$629,000$220/sqftEst. $3,429/mo mortgageMLS# 2162146
3
Beds
2
Baths
2,862
Sq Ft
1994
Built
—
Garage
No
Pool
FEMA Zone XNo HOA4.04 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Callahan

Charming custom built home on 4 beautiful acres, just minutes from downtown Callahan. Plenty of room for everyone in this 2862 sq ft home. This well laid out home features a living room, large eat-in kitchen, formal dining room, and a cozy family room with a wood burning fireplace. The spacious owner's suite includes a soaking tub and separate shower. Flex-space was built into this home for future needs with a stairway leading up to a large area that could become a bonus room, a fourth bedroom, or stay as easy-access storage. There is plenty of peaceful outdoor space that comes with this great home, and it starts on the friendly country front porch. In the back, French doors lead out to a garden-like patio where cookouts with family/friends will create great memories. A concrete pad to the left of the house can be used for parking your cars/trucks, and RV/Boat storage. The home features low maintenance Hardie Board siding installed in 2023.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$3,429
Property taxesest. at asking price, Nassau County$868
Estimated total, before insurance$4,298/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,293/yr · $191/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$629,000
$125,800
Loan Term
Monthly Payment
$3,429
Principal & Interest: $3,429
Property taxes (est.): $868
Insurance (est.): $419
Estimated Total Monthly
$4,717
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard (the whole 3.7-acre lot)

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 1994)

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: ~1,665 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.

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): $2,293/yr

Estimated taxes if purchased at asking price: ~$10,400/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

  • Oct 13, 2026Active Under Contract$629,000
  • Aug 27, 2026Listed$629,000

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 $155/sq ft; this home is listed at $220/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
45047 Amhurst Oaks Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$335,000$1504/2.52,2321041.4
45103 Amhurst Oaks Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCJul 2025$378,000$1764/2.52,145301.4
45168 Ingleham Circle, Callahan, FL 32011Listed by OPENDOOR BROKERAGE, LLC.Jul 2026$356,000$1624/22,198351.5
45134 Booth Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCDec 2025$120,000$554/22,1724071.9
45121 Stratton Road, Callahan, FL 32011Listed by UNITED REAL ESTATE GALLERYDec 2025$238,000$894/32,6811292.2
44014 Apache Trail, Callahan, FL 32011Listed by DIAMOND REALTY GROUP OF AMELIA ISLANDFeb 2026$350,000$1553/22,256202.5

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

Price$629,000
Price / Sq Ft$220
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,862
Acres4.04 acres
Year Built1994
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryCallahan, reported on 18 other Callahan listings
MiddleCallahan, reported on 17 other Callahan listings
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address35739 Quail Road, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size175,982.4 sq ft
Parcel Number242N24000000110020

Amenities

UtilitiesCable Available, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOff Street
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Laminate, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1

Exterior

Patio / PorchFront Porch, Patio
RoofShingle
ConstructionFiber Cement, Frame
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 27, 2026
Days on Market74
Tax Amount$2,292.56
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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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