Active·6 days on market
45103 Amhurst Oaks Drive
Callahan, FL 32011
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Callahan
NO CDD FEES! LOW HOA DUES! CITY UTILITIES! GREAT LOCATION! Discover the charm of small-town living in the quiet, welcoming Amhurst Oaks community of Callahan! This home offers a spacious split-bedroom floor plan with a downstairs primary suite, flexible living spaces, and a fully fenced backyard perfect for pets, entertaining, or simply relaxing outdoors. Enjoy the convenience of city water and sewer, nearby schools, local shopping, and dining. Callahan continues to grow and welcome new opportunities while maintaining the small-town charm, friendly atmosphere, and sense of community that make it such a desirable place to live. From local festivals and community events to the popular Northeast Florida Fair, there's plenty to enjoy close to home. With convenient access to I-95, Jacksonville, Southeast Georgia, Fernandina Beach, Amelia Island, and the beautiful Atlantic beaches are all within reach for commuting, weekend adventures, or spontaneous day trips.
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 H
Check floridadisaster.org/knowyourzone for what this designation means locally.
Roof: Shingle — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0038407 - Callahan WWTF · Public water (record)
County records show this parcel on central sewer served by FL0038407 - Callahan WWTF — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,715 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 23 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 6 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 6 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 6 mi · Thomas Creek
Closest grocery store
Winn-Dixieabout 0.4 mi · 450078 Sr 200, Callahan
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
- Oct 16, 2026Listed$425,000
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 $175/sq ft; this home is listed at $198/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45047 Amhurst Oaks Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $335,000 | $150 | 4/2.5 | 2,232 | 104 | 0.1 |
| 45522 Ingleham Circle, Callahan, FL 32011Listed by UNITED REAL ESTATE GALLERY | Dec 2025 | $325,000 | $175 | 4/2 | 1,856 | 7 | 0.1 |
| 45168 Ingleham Circle, Callahan, FL 32011Listed by OPENDOOR BROKERAGE, LLC. | Jul 2026 | $356,000 | $162 | 4/2 | 2,198 | 35 | 0.2 |
| 45314 Ingleham Circle, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Nov 2025 | $329,000 | $177 | 4/2 | 1,856 | 6 | 0.2 |
| 45397 Ingleham Circle, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Oct 2025 | $287,500 | $188 | 3/2 | 1,526 | 33 | 0.2 |
| 45134 Booth Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Dec 2025 | $120,000 | $55 | 4/2 | 2,172 | 407 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JPAR CITY AND BEACH
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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Krista Fracke
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