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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

$350,0003 bd · 1 ba · 1,092 sq ft

Active·65 days on market

450370 State Road 200

Callahan, FL 32011

$350,000$321/sqftEst. $1,897/mo mortgageMLS# 2164490
3
Beds
1
Baths
1,092
Sq Ft
1963
Built
—
Garage
No
Pool
FEMA Zone XNo HOA2.47 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

Welcome to this unique rural opportunity in Callahan! Nestled on a sprawling 2.47-acre parcel, this charming 3-bedroom, 1-bathroom brick home offers the perfect combination of comfortable living, privacy, and exciting possibilities for the future. With NO HOA, you have the flexibility to enjoy the property your way. The home features a newer A/C and water heater, along with a new roof, providing important updates and peace of mind. The classic brick exterior offers timeless appeal and durability, while the expansive acreage gives you plenty of room to enjoy the outdoors, garden, entertain, or simply relax and enjoy the peaceful country setting.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$1,897
Property taxesest. at asking price, Nassau County$468
Estimated total, before insurance$2,365/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,018/yr · $251/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

$350,000
$70,000
Loan Term
Monthly Payment
$1,897
Principal & Interest: $1,897
Property taxes (est.): $469
Insurance (est.): $233
Estimated Total Monthly
$2,599
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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 2.3-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 G

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified — year not disclosed (home built 1963)

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: ~1,550 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 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, 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

YearMarket valueTaxable valueChange
2026$283,853$191,897—

2025 property taxes (current owner): $3,018/yr

Estimated taxes if purchased at asking price: ~$5,600/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 320 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.

History

Price & status history

  • Sep 11, 2026Listed$350,000

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 $222/sq ft; this home is listed at $321/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
45035 James Street, Callahan, FL 32011Listed by KELLER WILLIAMS FIRST COAST REALTYMar 2026$285,000$2223/21,284521.2
45575 Ingleham Circle, Callahan, FL 32011Listed by RE/MAX BLUE COASTOct 2025$255,000$1963/21,300771.3
45199 Ingleham Circle, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCMay 2025$252,500$1943/21,3001281.3
45394 Ingleham Circle, Callahan, FL 32011Listed by WATSON REALTY CORPNov 2025$260,000$2003/21,300821.4
45186 Bismark Road, Callahan, FL 32011Listed by ROOT REALTY LLCAug 2025$390,900$3353/21,166291.5
45151 Kilpatrick Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$325,000$2383/21,36891.8

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$350,000
Price / Sq Ft$321
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage1,092
Acres2.47 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address450370 State Road 200, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionNassau
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size107,593.2 sq ft
Parcel Number472N25408000160010

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached Carport

Interior

Interior FeaturesOpen Floorplan
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringWood
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Additional Information

Date ListedSeptember 11, 2026
Days on Market65
Tax Amount$3,017.58
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TRUDEALS REALTY CORP

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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