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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

$389,0004 bd · 3 ba · 1,953 sq ft

Active·3 days on market

44135 Lee Drive

Callahan, FL 32011

$389,000$199/sqftEst. $2,108/mo mortgageMLS# 2173243
4
Beds
3
Baths
1,953
Sq Ft
1976
Built
2
Garage
No
Pool
FEMA Zone ANo HOA0.43 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

This renovated 4 bedroom and 3 bath mid-century modern home is perfect for someone looking for more room. Located in Callahan, it features that rural neighborhood atmosphere where you'll be comfortable sitting on the front porch swing enjoying your morning coffee while the sun comes up. Freshly painted with new carpet in 3 bedrooms, new kitchen appliances, new garage door and new privacy fence in the backyard. 4th bedroom and 3rd bath are at the back of the house and could be used as mother-in-law suite or private office. 4th bedroom has vinyl plank flooring. A small screened porch and patio is located off the 4th bedroom. Living and Dining areas are spacious and open with vinyl plank flooring for easy care. Back yard has mature trees offering shade while you enjoy the evening breezes. Home is being sold AS IS. No HOA or CDD.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.18% · 30yr$2,108
Property taxesest. at asking price, Nassau County$521
Estimated total, before insurance$2,629/mo
Seller’s 2026 tax billper the MLS — includes any CDD / assessments$3,538/yr · $295/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

$389,000
$77,800
Loan Term
Monthly Payment
$2,108
Principal & Interest: $2,108
Property taxes (est.): $521
Insurance (est.): $259
Estimated Total Monthly
$2,888
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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 A — 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: Metal — year not disclosed (home built 1976)

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

Solar potential: ~1,569 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 November 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

2026 property taxes (current owner): $3,538/yr

Estimated taxes if purchased at asking price: ~$6,200/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 320 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

  • Nov 11, 2026Listed$389,000

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 $201/sq ft; this home is listed at $199/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
54059 Charles Street, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCMay 2026$230,000$1493/21,53920.1
54704 Cravey Road, Callahan, FL 32011Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$350,000$2013/21,74450.4
44046 Cross Creek Boulevard, Callahan, FL 32011Listed by REAL BROKER LLCOct 2026$320,000$1654/21,944330.6
51065 Bloomington Way, Callahan, FL 32011Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$387,500$2523/21,535160.6
54130 Church Road, Callahan, FL 32011Listed by REMI REALTY, LLCMay 2026$457,000$2643/21,72860.6
54108 Pelican Road, Callahan, FL 32011Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSNov 2026$294,900$1443/22,048871

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$389,000
Price / Sq Ft$199
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage1,953
Total Structure Area2,744 sq ft
Acres0.43 acres
Year Built1976
TypeResidential
Sub-TypeSingle Family Residence
StyleMid-Century Modern
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryCallahan
MiddleCallahan

Community Information

Address44135 Lee Drive, Callahan, FL 32011
Area492-Nassau County-W Of I-95/N To State Line
SubdivisionPine Knoll
CityCallahan
CountyNassau
StateFL
Zip Code32011
Lot Size18,730.8 sq ft
Lot Dimensions75x249x75x251
Parcel Number041N25280000600000
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAdditional Parking, Attached, Circular Driveway

Interior

Interior FeaturesOpen Floorplan, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
FireplaceNo
# of Fireplaces0
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchFront Porch, Patio, Screened
FencingBack Yard, Chain Link, Privacy, Wood
RoofMetal
ConstructionBrick, Frame, Vinyl Siding
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedNovember 11, 2026
Days on Market3
Tax Amount$3,537.9
Tax Year2026
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SUNSET CAPITAL COMMERCIAL 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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