Active·6 days on market
54516 Church Road
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
Welcome home to this beautiful 4-bedroom, 2-bath home in Callahan! Enjoy the peace and quiet of country living while still being conveniently located near schools, shopping, Jacksonville, and the airport. This spacious home offers an inviting open floor plan, a beautiful kitchen with an island, a breakfast bar, and plenty of room for entertaining. The primary suite provides a relaxing retreat, while three additional bedrooms offer plenty of space for family, guests, or a home office. Step outside and enjoy the privacy and charm of country living! Additional features include a 2-car garage, a termite bond, and an existing home warranty. If you've been looking for a place to call home with room to spread out, this one is worth a look! Schedule your private showing today!
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 (that applies to the reference bill above too).
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: Shingle — year not disclosed (home built 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,170 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.
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 20 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 3 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 3 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 3 mi · Thomas Creek
Closest grocery store
Winn-Dixieabout 3 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $5,645/yr
Estimated taxes if purchased at asking price: ~$7,300/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
- Oct 16, 2026Listed$442,000
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 $225/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 51065 Bloomington Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $387,500 | $252 | 3/2 | 1,535 | 16 | 0.5 |
| 54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $350,000 | $201 | 3/2 | 1,744 | 5 | 0.6 |
| 54059 Charles Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | May 2026 | $230,000 | $149 | 3/2 | 1,539 | 2 | 0.8 |
| 54130 Church Road, Callahan, FL 32011Listed by REMI REALTY, LLC | May 2026 | $457,000 | $264 | 3/2 | 1,728 | 6 | 0.8 |
| 54234 Hazel Jones Road, Callahan, FL 32011Listed by PRISTINE PROPERTIES OF FLORIDA LLC | Apr 2026 | $340,000 | $225 | 3/2 | 1,512 | 2 | 0.8 |
| 540605 Lem Turner Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Mar 2026 | $315,000 | $159 | 4/2 | 1,980 | 25 | 0.8 |
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.
Features
School Information
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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