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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

$270,0003 bd · 2 ba · 1,185 sq ft

Active·53 days on market

45287 Red Brick Drive

Callahan, FL 32011

$270,000$228/sqftEst. $1,472/mo mortgageMLS# 2165335
3
Beds
2
Baths
1,185
Sq Ft
2023
Built
1
Garage
No
Pool
FEMA Zone XHOA $50/mo3,049 sqft lotWaterfrontTownhouse1 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 home to this almost brand new 3 bedroom and 2 bath townhome in Callahan. It features brand new flooring, a peaceful pond view right out your back door. The bright open layout offers modern finishes thruout including a refrigerator that will make a grocery list for you and a washer and dryer that you can control by your phone. A full house water purification system makes such a difference! Enjoy low maintenance living in a quiet community while still being close to schools, shopping and all that Callahan has to offer. This townhome is move in ready and waiting for you to make it home.

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$1,472
Property taxesest. at asking price, Nassau County$373
HOAbilled annually$50
Estimated total, before insurance$1,895/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,776/yr · $231/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

$270,000
$54,000
Loan Term
Monthly Payment
$1,472
Principal & Interest: $1,472
Property taxes (est.): $373
Insurance (est.): $180
Estimated Total Monthly
$2,025
*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 H

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

Roof: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,262 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.

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

2025 property taxes (current owner): $2,776/yr

Estimated taxes if purchased at asking price: ~$4,500/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

  • Sep 17, 2026Listed$270,000

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 $168/sq ft; this home is listed at $228/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
45260 Red Brick Drive, Callahan, FL 32011Listed by DIAMOND REALTY GROUP OF AMELIA ISLANDDec 2025$260,900$2203/21,185140
45284 Red Brick Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCMay 2025$255,000$1683/2.51,521130
45148 Red Brick Drive, Callahan, FL 32011Listed by DIAMOND REALTY GROUP OF AMELIA ISLANDApr 2026$255,000$1683/2.51,521840.1
45124 Red Brick Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$249,000$1643/2.51,52160.1

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$270,000
Price / Sq Ft$228
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,185
Acres0.07 acres
Year Built2023
TypeResidential
Sub-TypeTownhouse
StyleHalf Duplex
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes

School Information

ElementaryCallahan
MiddleCallahan

Community Information

Address45287 Red Brick Drive, Callahan, FL 32011
Area490-Callahan
SubdivisionCallahan Crossing
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size3,049.2 sq ft
Parcel Number512N25417500180000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer, Septic Tank
Water SourceWell
ParkingAdditional Parking, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPatio
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedSeptember 18, 2026
Days on Market53
HOA Fees$600 / Annually
HOA FrequencyAnnually
HOA NameCallahan Crossing
Tax Amount$2,776
Tax Year2025
Listing TermsCash, Conventional, FHA, Lease Option, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MORTGAGE PROPERTY MANAGEMENT

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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