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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·59 days on market

451624 Old Dixie Highway

Callahan, FL 32011

$439,000$240/sqftEst. $2,393/mo mortgageMLS# 2162742
↓ $10,000 below original listOpen house Sun, Nov 1 · 1:00 pm–3:00 pm
4
Beds
2
Baths
1,831
Sq Ft
2025
Built
2
Garage
No
Pool
FEMA Zone XHOA $25/mo1.16 acresSingle Family Residence1 storyNew construction

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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 PRICE! NEW BUILDER INCENTIVES! Welcome to the only 4 bedroom currently on the market in Laurel Oak Estates! Built with brick and built to last with one of the largest lots in the community, this Callahan classic sits on 1.14 acres and promises a peaceful getaway from the hustle bustle of city life. Morning coffee is an elevated experience here, with soft-close cabinets and dovetailed construction drawers, elegant beveled quartz counters, Fridigaire appliances and a clean grassy backyard standing by for fruit trees and flowers! Get in now as a founding member of the HOA and have a say in the neighborhood's evolution! Seventeen miles from Jacksonville International Airport, 25 miles from Amelia Island and just 5 short miles from Westside Regional Park with athletic fields, dog park, stargazing center and airnasium, peace and privacy await!

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$2,393
Property taxesest. at asking price, Nassau County$606
HOAbilled annually$25
Estimated total, before insurance$3,024/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$674/yr · $56/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

$439,000
$87,800
Loan Term
Monthly Payment
$2,393
Principal & Interest: $2,393
Property taxes (est.): $606
Insurance (est.): $293
Estimated Total Monthly
$3,292
*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

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 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,567 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 September 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.

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.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:40 AM, sunset 6:41 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $674/yr

Estimated taxes if purchased at asking price: ~$7,300/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 8, 2026Price change$439,000−$10,000
  • Aug 31, 2026Listed$449,000

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 $154/sq ft; this home is listed at $240/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
35080 Duck Pond Court, Callahan, FL 32011Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$250,000$1543/21,620680.2
451513 Old Dixie Highway, Callahan, FL 32011Listed by MOMENTUM REALTYApr 2026$252,000$1454/21,736330.2
35236 Perret Plantation Road, Callahan, FL 32011Listed by COMPLETE HOME REALTY, INC.Sep 2025$175,000$1023/21,7201220.3
45231 Keri Boulevard, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCJun 2025$285,000$2093/21,36481.4
45185 Gail Drive, Callahan, FL 32011Listed by MOMENTUM REALTYSep 2025$60,000$363/21,64761.6
450776 Old Dixie Highway, Callahan, FL 32011Listed by PICKETT HOME ADVISORS, LLCMay 2025$400,000$1704/32,356101.6

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

Price$439,000
Price / Sq Ft$240
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,831
Total Structure Area2,274 sq ft
Acres1.16 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesSouthwest

School Information

ElementaryCallahan
MiddleCallahan
HighWest Nassau

Community Information

Address451624 Old Dixie Highway, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
Subdivision**verifying Subd**
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size50,529.6 sq ft
Parcel Number122N24115000030000
ZoningResidential

Amenities

AmenitiesOther
UtilitiesElectricity Connected, Sewer Connected, Water Available, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Microwave
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Lot DescriptionCleared
RoofShingle
ConstructionBrick Veneer, Frame
Road FrontageState Road

Additional Information

Date ListedAugust 31, 2026
Days on Market59
HOA Fees$300 / Annually
HOA FrequencyAnnually
Tax Amount$673.84
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS

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

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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