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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

$650,0004 bd · 3 ba · 2,753 sq ft

Active·17 days on market

54941 Ogilvie Road

Callahan, FL 32011

$650,000$236/sqftEst. $3,544/mo mortgageMLS# 2170596
4
Beds
3
Baths
2,753
Sq Ft
1989
Built
2
Garage
No
Pool
House in Zone XNo HOA6.00 acresSingle Family Residence2 stories

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

Tucked beyond the usual traffic on six peaceful acres in Callahan, this spacious two-story farmhouse-style home offers room to live, gather, and pursue country-sized plans, complete with a barn and a scenic setting near Four Creeks State Forest. Inside, this two story 4-bedroom, 3-bathroom residence unfolds across 2,753 square feet. The updated kitchen with granite countertops, farm sink, lots of cabinets, and pantry flows directly into a generous family room, where a wood-burning fireplace adds warmth and character. An additional living room and separate dining room provide options for entertaining, quiet relaxation, or the occasional need to spread everyone out. New downstairs flooring refreshes the main level, which also includes an updated full bathroom and an inside laundry room. Upstairs, the primary suite joins three secondary bedrooms, along with flexible bonus space ready for an office, playroom, media area, or creative retreat.

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$3,544
Property taxesest. at asking price, Nassau County$897
Estimated total, before insurance$4,441/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,079/yr · $340/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

$650,000
$130,000
Loan Term
Monthly Payment
$3,544
Principal & Interest: $3,544
Property taxes (est.): $897
Insurance (est.): $433
Estimated Total Monthly
$4,874
*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.

The house sits in FEMA Zone X (minimal flood hazard)

Zone A covers 5% of this 6-acre lot, away from the house; the rest is Zone X (minimal) 95%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.

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 1989)

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: ~1,463 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 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, 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): $4,079/yr

Estimated taxes if purchased at asking price: ~$10,800/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 23, 2026Listed$650,000

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 $206/sq ft; this home is listed at $236/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
53719 Carrington Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$460,000$2324/21,9861500.3
53711 Carrington Drive, Callahan, FL 32011Listed by NON MLS (realMLS)Jun 2026$530,000$2294/32,310670.4
54395 Vontz Circle, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$297,000$1463/22,04060.6
540605 Lem Turner Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCMar 2026$315,000$1594/21,980250.8
54818 Church Road, Callahan, FL 32011Listed by CORE REALTY, LLCSep 2025$405,000$2064/21,969780.8
55016 Bear Run Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCJun 2025$515,000$2064/32,496440.9

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$650,000
Price / Sq Ft$236
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,753
Total Structure Area2,753 sq ft
Acres6.00 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryCallahan
MiddleCallahan

Community Information

Address54941 Ogilvie Road, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size261,360 sq ft
Parcel Number46-2N-25-0260-0001-0000
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Electric Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup

Exterior

Lot DescriptionDead End Street
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionVinyl Siding
Other StructuresBarn(s)
Road SurfaceAsphalt, Dirt

Additional Information

Date ListedOctober 23, 2026
Days on Market17
Tax Amount$4,079
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH REALTY

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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