Active·7 days on market
54199 Armstrong Road
Callahan, FL 32011
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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 54199 Armstrong Rd, a spacious Callahan property offering nearly an acre of land and plenty of room to enjoy the relaxed pace of country living. This 3-bedroom, 2 bathroom + office home offers approximately 1,288 square feet of living space, with a layout that provides comfortable living areas & flexibility for today's buyer. The property features a detached garage with workshop, rear porch & front screened porch—providing multiple options for relaxing, entertaining, hobbies and storage. With several updates to the home, price reflects TLC still needed. Situated near Duval County, the property offers the opportunity to enjoy a generous homesite with room to make the property your own & be close to the city for easy commute. Whether you're looking for additional space, a quieter setting, or an opportunity to create your own vision, 54199 Armstrong Rd offers a unique combination of acreage, functionality and Callahan charm.
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.
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: material not specified — year not disclosed (home built 1985)
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: ~1,677 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 homeAs of October 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.
History
Price & status history
- Oct 3, 2026Listed$199,000
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 $195/sq ft; this home is listed at $155/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 54123 Lisa Drive, Callahan, FL 32011Listed by UNITED REAL ESTATE GALLERY | May 2026 | $380,000 | $257 | 3/2 | 1,481 | 1 | 0.1 |
| 54052 Dornbush Road, Callahan, FL 32011Listed by INTEGRITY KEY REALTY LLC | Jun 2026 | $158,000 | $96 | 3/2 | 1,647 | 70 | 0.2 |
| 54376 Lisa Drive, Callahan, FL 32011Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $379,000 | $263 | 3/2 | 1,440 | 2 | 0.3 |
| 54591 Dornbush Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $254,000 | $195 | 3/2 | 1,305 | 28 | 0.4 |
| 540316 Lem Turner Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $245,000 | $163 | 3/2 | 1,500 | 300 | 0.6 |
| 540324 Lem Turner Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Apr 2026 | $247,000 | $165 | 3/2 | 1,500 | 176 | 0.6 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REMI REALTY, 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.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines