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Active

$1,300,0004 bd · 2.5 ba · 2,688 sq ft

Active·13 days on market

44589 Sandy Ford Road

Callahan, FL 32011

$1,300,000$484/sqftEst. $7,088/mo mortgageMLS# 2171086
4
Beds
2.5
Baths
2,688
Sq Ft
1989
Built
2
Garage
Yes
Pool
House in Zone ANo HOA10.00 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

** UPDATE: OPEN HOUSE POSTPONED-check back next weekend! ** Designed by an equestrian, distinguished by an extraordinary attention to detail. Introducing Sandy Ford Road, where extensive updates and exceptional equestrian infrastructure converge across 10 scenic acres. This remarkable property is a true private sanctuary, offering an extensively renovated farmhouse, resort-inspired outdoor living, dedicated guest and entertainment spaces, and a custom Amish-built barn. With virtually every major system updated, no detail has been overlooked in creating an estate as functional as it is captivating-for both you and your equine companions alike.

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$7,088
Property taxesest. at asking price, Nassau County$1,795
Estimated total, before insurance$8,882/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,300,000
$260,000
Loan Term
Monthly Payment
$7,088
Principal & Interest: $7,088
Property taxes (est.): $1,795
Insurance (est.): $867
Estimated Total Monthly
$9,749
*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 A, a high-risk flood zone

Lenders require flood insurance for financed purchases here. Across the 9.2-acre lot: Zone A 75% and Zone X (minimal) 25%. 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 K

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: ~1,619 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.

History

Price & status history

  • Oct 27, 2026Listed$1,300,000

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 $187/sq ft; this home is listed at $484/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
34216 Old Baldwin Road, Callahan, FL 32011Listed by FERNANDINA BEACH REALTYDec 2025$475,000$2333/3.52,04250.5
44051 Little Sweetgum Lane, Callahan, FL 32011Listed by ACHIEVE REALTY GROUP LLCMar 2026$378,500$1874/22,02441.4
44024 Breezy Lane, Callahan, FL 32011Listed by MOMENTUM REALTYSep 2026$465,000$2194/32,120421.6
44021 Bayberry Court, Callahan, FL 32011Listed by CB ISAAC REALTYMay 2026$258,000$1283/22,015861.8
44014 Apache Trail, Callahan, FL 32011Listed by DIAMOND REALTY GROUP OF AMELIA ISLANDFeb 2026$350,000$1553/22,256202
45047 Amhurst Oaks Drive, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$335,000$1504/2.52,2321043.3

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$1,300,000
Price / Sq Ft$484
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,688
Acres10.00 acres
Year Built1989
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
# of Carport Spaces1
Has PoolYes
Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure
Is WaterfrontNo

School Information

ElementaryCallahan
MiddleCallahan
HighWest Nassau

Community Information

Address44589 Sandy Ford Road, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size435,600 sq ft
Parcel Number021N24218013800020

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached Carport, Garage, Garage Door Opener
ViewPool, Trees/Woods, Other

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Marble, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryLower Level
Spa FeaturesIn Ground, Heated, Private

Exterior

Exterior FeaturesOther
Lot DescriptionCleared, Farm, Few Trees
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingFenced, Back Yard, Cross Fenced, Wood
RoofShingle
ConstructionFrame
Other StructuresBarn(s), Shed(s), Stable(s), Workshop
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedOctober 27, 2026
Days on Market13
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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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