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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

Active·2 days on market

51277 Bloomington Way

Callahan, FL 32011

$435,000$229/sqftEst. $2,372/mo mortgageMLS# 2171157
Open house Sun, Nov 1 · 12:00 pm–2:00 pm
3
Beds
2
Baths
1,902
Sq Ft
2016
Built
2
Garage
No
Pool
FEMA Zone AEHOA $18/mo2.90 acresWaterfrontSingle 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

Welcome home to this charming 3-bedroom, 2-bathroom brick home situated on 2.9 acres, offering peaceful pond views and plenty of room to enjoy the outdoors! This property features a fully stocked pond, a fully fenced backyard, and solar panels. Inside, you'll find a desirable split-bedroom floor plan with brand-new carpet in the bedrooms. One of the standout features is the additional room located off the primary suite, offering endless possibilities as a fourth bedroom, home office, flex space, or private retreat. Whether you're relaxing by the pond, enjoying the spacious property, or making the versatile floor plan your own, this home offers the perfect combination of comfort, privacy, and country living! LOW HOA and NO CDD FEES. The Airport, shopping and 295 is only 15 minutes away.

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$2,372
Property taxesest. at asking price, Nassau County$601
HOAbilled annually$18
Estimated total, before insurance$2,990/mo
Seller’s 2026 tax billper the MLS — includes any CDD / assessments$2,633/yr · $219/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

$435,000
$87,000
Loan Term
Monthly Payment
$2,372
Principal & Interest: $2,372
Property taxes (est.): $601
Insurance (est.): $290
Estimated Total Monthly
$3,262
*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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2016)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,750 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 home

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 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.

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

2026 property taxes (current owner): $2,633/yr

Estimated taxes if purchased at asking price: ~$7,200/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 27, 2026Listed$435,000

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 $252/sq ft; this home is listed at $229/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
51065 Bloomington Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$387,500$2523/21,535160.2
54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$350,000$2013/21,74450.5
54059 Charles Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCMay 2026$230,000$1493/21,53920.7
541462 Lem Turner Road, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY AT THE LAKESMar 2026$288,000$1393/22,077100.8
54130 Church Road, Callahan, FL 32011Listed by REMI REALTY, LLCMay 2026$457,000$2643/21,72861
54106 Amblerwood Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTYJun 2026$475,000$3073/21,546841.1

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

Price$435,000
Price / Sq Ft$229
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,902
Total Structure Area2,658 sq ft
Acres2.90 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryCallahan
MiddleCallahan

Community Information

Address51277 Bloomington Way, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionCallahan
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size126,324 sq ft
Lot Dimensions2.9 ACRES
Parcel Number03-1N-25-0615-0017-0000
ZoningSingle Family

Amenities

AmenitiesNone
UtilitiesCable Available, Electricity Available
SewerSeptic Tank
Water SourceWell
ParkingGarage
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Split Bedrooms
AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionCleared
FencingBack Yard
RoofShingle
ConstructionBrick, Frame
Road SurfaceAsphalt

Additional Information

Date ListedOctober 27, 2026
Days on Market2
HOA Fees$220 / Annually
HOA FrequencyAnnually
HOA NameGREENE TERRACE
Tax Amount$2,632.72
Tax Year2026
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

11/1/2026

12:00 pm - 2:00 pm