Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 35
Active

$480,0004 bd · 2 ba · 2,008 sq ft

Active·53 days on market

35686 Quail Road

Callahan, FL 32011

$480,000$239/sqftEst. $2,617/mo mortgageMLS# 2165244
↓ $14,900 below original list
4
Beds
2
Baths
2,008
Sq Ft
2009
Built
4
Garage
No
Pool
FEMA Zone XNo HOA1.03 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

Some homes give you a place to live. This one gives you room to build a life around it. Set on a full acre in Callahan with no HOA, this 4-bedroom, 2-bath home offers 2,000+ sq. ft. with a split floor plan, multiple living areas, and a spacious kitchen with granite countertops, solid wood cabinetry and stone backsplash. Outside, enjoy a covered, powered back porch, outdoor cooking station with polished concrete countertop, outdoor shower, firepit, and landscaping designed to attract butterflies and hummingbirds. A new 25' x 35' metal building with two 10' roll-up doors offers serious space for a workshop, equipment, toys or storage. Recent improvements include updated lighting, new well pump, iron water treatment system and new HVAC in 2026. One acre. No HOA. Room to gather, work and breathe. Welcome home to Quail Road.

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$2,617
Property taxesest. at asking price, Nassau County$663
Estimated total, before insurance$3,280/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$480,000
$96,000
Loan Term
Monthly Payment
$2,617
Principal & Interest: $2,617
Property taxes (est.): $663
Insurance (est.): $320
Estimated Total Monthly
$3,600
*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 1-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 2009)

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: ~1,700 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.

History

Price & status history

  • Nov 9, 2026Price change$480,000−$12,400
  • Oct 23, 2026Price change$492,400−$2,500
  • Sep 17, 2026Listed$494,900

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 $188/sq ft; this home is listed at $239/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
35742 Quail Road, Callahan, FL 32011Listed by HAMILTON HOUSE REAL ESTATE GROUP, LLCJul 2026$445,000$2433/21,828100.2
45053 R Jones Road, Callahan, FL 32011Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$275,000$1394/31,9761000.6
45185 Gail Drive, Callahan, FL 32011Listed by MOMENTUM REALTYSep 2025$60,000$363/21,64760.6
45397 Ingleham Circle, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSOct 2025$287,500$1883/21,526331.5
45103 Amhurst Oaks Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCJul 2025$378,000$1764/2.52,145301.5
45501 Ingleham Circle, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCNov 2026$299,000$1913/21,56411.6

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.

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$480,000
Price / Sq Ft$239
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,008
Acres1.03 acres
Year Built2009
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusActive
# of Garages4
Has PoolNo
Is WaterfrontNo

School Information

This listingNo schools reported in the MLS
ElementaryCallahan, reported on 12 other Callahan listings
MiddleCallahan, reported on 11 other Callahan listings
County schoolsNassau County Schools
ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address35686 Quail Road, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size44,866.8 sq ft
Parcel Number242N24000000100000
ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Water Available, Water Connected
SewerSeptic Tank
Water SourcePrivate
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave
HeatingElectric
CoolingElectric
FlooringTile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesFire Pit, Outdoor Kitchen, Outdoor Shower
Lot DescriptionFew Trees
Patio / PorchCovered, Porch, Rear Porch
RoofShingle
ConstructionBlock
Other StructuresShed(s), Workshop

Additional Information

Date ListedSeptember 17, 2026
Days on Market53
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SALT HARBOR REAL ESTATE COMPANY 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines