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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

$549,0003 bd · 2.5 ba · 2,510 sq ft

Active·14 days on market

55213 Shug Road

Callahan, FL 32011

$549,000$219/sqftEst. $2,993/mo mortgageMLS# 2170970
3
Beds
2.5
Baths
2,510
Sq Ft
2008
Built
2
Garage
No
Pool
FEMA Zone XNo HOA2.16 acresSingle Family Residence1 story

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

Escape the hustle and bustle and discover your own peaceful retreat on OVER TWO ACRES in beautiful Callahan! NO HOA and NO CDD fees! Bring your boat, RV, and recreational toys, with plenty of room to garden, explore, and enjoy the peaceful country setting. This beautiful all-brick home features soaring ceilings, abundant natural light, 42-inch kitchen cabinetry, stainless steel appliances, Plantation Shutters, luxury vinyl plank flooring throughout the main living areas and carpet in the bedrooms. The owner's suite offers a unique adjoining bonus space, perfect for a home office, fitness area, or cozy retreat. An additional flex room with French doors provides even more versatility! Outside, enjoy a fenced backyard for pets or play, garden beds, a chicken coop, and wide-open spaces with endless possibilities. Additional features include a 12' x 36' shed, water softener, hybrid water heater, 50amp generator hookup, and the newer riding lawn mower conveys! Located just down the road from

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$2,993
Property taxesest. at asking price, Nassau County$758
Estimated total, before insurance$3,751/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,327/yr · $444/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

$549,000
$109,800
Loan Term
Monthly Payment
$2,993
Principal & Interest: $2,993
Property taxes (est.): $758
Insurance (est.): $366
Estimated Total Monthly
$4,117
*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.

Zone X — minimal flood hazard (the whole 2.2-acre lot)

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 2008)

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: ~1,727 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.

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:49 AM, sunset 5:33 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,327/yr

Estimated taxes if purchased at asking price: ~$9,100/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 26, 2026Listed$549,000

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 $247/sq ft; this home is listed at $219/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
55213 Shug Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCNov 2025$470,000$1873/2.52,510450
53702 Carrington Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCJun 2026$457,500$2473/21,85341.4
53688 Carrington Drive, Callahan, FL 32011Listed by ATLANTIC SHORES REALTY OF JACKSONVILLE LLCApr 2026$460,000$2503/21,837151.4
54063 Corley Drive, Callahan, FL 32011Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2025$505,000$2634/21,917471.4
55016 Bear Run Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCJun 2025$515,000$2064/32,496441.4
53719 Carrington Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$460,000$2324/21,9861501.5

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$549,000
Price / Sq Ft$219
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,510
Acres2.16 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

ElementaryCallahan
MiddleCallahan

Community Information

Address55213 Shug Road, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size94,089.6 sq ft
Parcel Number46-2N-25-0000-0002-0280
ZoningAgricultural

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesOther, Dishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionAgricultural
Patio / PorchRear Porch
FencingBack Yard
RoofShingle
ConstructionBrick
Other StructuresShed(s)
Road SurfaceDirt
Road FrontageOther

Additional Information

Date ListedOctober 26, 2026
Days on Market14
Tax Amount$5,327.14
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

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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