Active·1 day on market
45306 Bismark Road
Callahan, FL 32011
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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
Discover small-town charm with this white farmhouse on 1.45 acres! This 3-bedroom, 2-bath home offers a freshly painted interior, and a split floor plan that provides added privacy for the primary suite. A large front and rear porch extends the living space outdoors that offer plenty of space to enjoy your morning coffee, relax, or gather with friends and family. Conveniently located to shopping, dining, and outdoor adventures, this home puts local favorites within reach. Enjoy nearby Tuscan Rose Vineyards, located right on Bismark Road, for wine tastings and beautiful vineyard views. Explore Four Creeks State Forest for hiking, fishing, kayaking, and wildlife viewing. Experience country charm with room to enjoy the outdoors!
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: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,627 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 and league fields from this home's location.
Closest beach parking
Bluffs Scenic Trail, Big Talbot Island State Parkabout 21 mi · 35 parking spaces
Closest park or preserve
Thomas Creek Conservation Areaabout 5 mi · 4.9 mi of trails
Closest public boat ramp
Thomas Creek Preserve Boat Rampabout 4 mi · Thomas Creek
Closest kayak & paddleboard launch
Four Creeks State Forest – Thomas Creek Canoe Accessabout 4 mi · Thomas Creek
Closest youth league fields
Dinsmore Park and Community Centerabout 10 mi · Baseball, Softball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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, 2026Active$399,000
- Oct 16, 2026Listed$399,000
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 $238/sq ft; this home is listed at $263/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 54413 Marsh Road, Callahan, FL 32011Listed by KELLER WILLIAMS ST JOHNS | Apr 2026 | $380,000 | $229 | 3/2 | 1,661 | 3 | 0.4 |
| 45151 Kilpatrick Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $325,000 | $238 | 3/2 | 1,368 | 9 | 0.5 |
| 55592 Deer Run Road SE, Callahan, FL 32011Listed by WATSON REALTY CORP | Jun 2026 | $390,000 | $208 | 4/2 | 1,872 | 72 | 0.5 |
| 45116 Kilpatrick Road, Callahan, FL 32011Listed by PICKETT HOME ADVISORS, LLC | May 2026 | $263,000 | $240 | 2/1 | 1,097 | 4 | 0.5 |
| 55181 Hart Terrace, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2025 | $155,000 | $92 | 3/2 | 1,680 | 21 | 0.6 |
| 54017 Asherton Cove, Callahan, FL 32011Listed by REAL BROKER LLC | May 2026 | $535,000 | $284 | 4/2 | 1,886 | 47 | 1.1 |
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.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL BROKER 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
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