Active·30 days on market
541746 Lem Turner Road
Callahan, FL 32011
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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
Brand-new, never lived in! This 2026 Cavco 3-bedroom, 2-bath home brings modern farmhouse style to 1,493 sqft of open-concept living in Callahan. Faux-beam tray ceilings, wood-look flooring throughout, and a shiplap accent wall with a built-in electric fireplace. The kitchen is a showpiece: oversized island with breakfast bar, two-tone cabinetry, granite-style counters, stone backsplash, stainless appliances, vented hood, and a farmhouse apron sink. The private primary suite features a freestanding soaking tub, separate walk-in shower, and dual vanity, plus two more bedrooms and a full guest bath. Outside, a generous mostly-fenced backyard with mature shade trees, & room for the boat or RV. Minutes to Jacksonville, JAX airport, and US-1. No prior owners, no wear, just move in and enjoy everything-new peace of mind. Schedule your private tour today!
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: Shingle — year not disclosed (home built 2025)
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: ~917 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 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $73,349 | $58,786 | — |
| 2024 | $64,342 | $53,442 | — |
| 2023 | $62,828 | $48,584 | — |
| 2022 | $53,271 | $44,317 | — |
| 2021 | $40,689 | $40,288 | — |
| 2020 | $38,933 | $36,625 | — |
2025 property taxes (current owner): $993/yr
Estimated taxes if purchased at asking price: ~$4,800/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 (2025), NEFMLS.
History
Price & status history
- Sep 10, 2026Listed$290,000
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 $252/sq ft; this home is listed at $194/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 | 0.6 |
| 51065 Bloomington Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $387,500 | $252 | 3/2 | 1,535 | 16 | 1.1 |
| 55592 Deer Run Road SE, Callahan, FL 32011Listed by WATSON REALTY CORP | Jun 2026 | $390,000 | $208 | 4/2 | 1,872 | 72 | 1.1 |
| 54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $350,000 | $201 | 3/2 | 1,744 | 5 | 1.3 |
| 54106 Amblerwood Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $475,000 | $307 | 3/2 | 1,546 | 84 | 1.3 |
| 52185 Albany Place, Callahan, FL 32011Listed by MARK SPAIN REAL ESTATE | May 2025 | $411,000 | $215 | 4/2 | 1,915 | 34 | 1.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY
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
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