35018 Hearthstone Way, Callahan, FL 32011 Property Records

Nassau County property record for 35018 Hearthstone Way, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,750 sqft · built 2019
Lot Size	5.12 acres (223,027 sqft)
Owner	Individual Name on File
Last Sale	$695,000 (May 2026)
Tax Bill	$8,728 (2025)
Deeds & Mortgages	Mar 2023 Mortgage May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-1N-24-2091-0024-0000`

Property Details

APN / Parcel Number

Primary APN	`17-1N-24-2091-0024-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,750 sqft Living Area
1st Floor Area	1,879 sqft
Upper Floors Area	871 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	223,027 sqft (5.12 acres)
Garage Area	864 sqft
Pool Area	467 sqft
Porch	Finished/Open Porch
Porch Area	522 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	35018 HEARTHSTONE WAY
City	CALLAHAN
State	FL
Zip	32011-8768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 24 TUPELO PLANTATION WEST PB 8/17
Legal Range	24E
Legal Township	01N
Legal Section	17
Legal Subdivision	TUPELO PLANTATION
Legal Lot Number	24
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3014
Census Tract	50504

Owner

35018 Hearthstone Way is owned and occupied by an individual who bought it in May 2026.

Source: Nassau County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage JAX FCU
May 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST RATE MORTGAGE FUNDING
Apr 22, 2024	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage JAX FCU
Dec 4, 2019	Loan Modification, Mortgage · FHA Mortgage FIRST FED'L SVGS BK
Mar 13, 2019	Warranty Deed, Construction Loan · Construction Mortgage FIRST FED'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on File
Deed Sale	May 15, 2026 · Amount on File
Prior Sale	Apr 22, 2024 · Amount on File
Deed Document Number	202614785
Deed Book / Page	2868 / 1464
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768

Mortgage

Document Number	0026270496
Date	Mar 27, 2023
Book Page	2627/496
Instrument	202345008543

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 15, 2026
Property Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Document Number	0028681464
Book / Page	2868 / 1464
Instrument Date	May 14, 2026
Instrument	202614785
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$491,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768

Mortgage

Document Number	0000014786,
Date	May 15, 2026
Instrument	202614786

Lender

Name	FIRST RATE MORTGAGE FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Transaction Type	Mortgage
Record Updated	May 15, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1077 TALBOT AVE, JACKSONVILLE, FL 32205-5357

Mortgage

Document Number	0027070635
Date	Apr 22, 2024
Book Page	2707/635
Instrument	202445010983

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	3000 LAVA RIDGE CT STE 200, ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35016 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768

Mortgage

Document Number	0023910660
Date	Sep 11, 2020
Book Page	2391/660
Instrument	202045028806

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Document Number	0023231936
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35018 HEATHSTONE WAY CALLAHAN FL 32011, CALLAHAN, FL 32011

Mortgage

Document Number	0023231936
Date	Dec 10, 2019
Book Page	002323/001936
Instrument	45038884

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

March 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 13, 2019
Property Address	35018 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Document Number	0022610063
Book / Page	002261 / 000063
Instrument Date	Mar 11, 2019
Instrument	45007790
Transaction Type	Construction Loan
Record Updated	Jan 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$399.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3157 DUANE AVE JACKSONVILLE FL 322183111, JACKSONVILLE, FL 32218-3111

Mortgage

Document Number	22610065
Date	Mar 13, 2019
Book Page	002261/000065
Instrument	45007791

Lender

Name	FIRST FED'L
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 35018 Hearthstone Way was $8,728, up 153% from the year before.

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,728.00 (+152.99%)	$568,572 (+118.14%) Land $112,640 Building $455,932	$568,572 (+8.66%) Land $112,640 Building $455,932
2024	$3,450.00 (+2.16%) Homeowner's exemption	$260,651 (+3.63%)	$523,262 (+8.59%) Land $102,400 Building $420,862
2023	$3,377.00 (+10.4%) Homeowner's exemption	$251,515 (+3%)	$481,868 (+35.29%) Land $97,280 Building $384,588
2022	$3,059.00 Homeowner's exemption	$244,189	$356,183 Land $64,512 Building $291,671

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 35018 Hearthstone Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 28 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	28 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 35018 Hearthstone Way is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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