35039 Hearthstone Way, Callahan, FL 32011 Property Records

Nassau County property record for 35039 Hearthstone Way, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,337 sqft · built 2020
Lot Size	5.34 acres (232,610 sqft)
Owner	2 Individual Names on File
Last Sale	$47,000 (Dec 2018)
Tax Bill	$3,803 (2025)
Deeds & Mortgages	Dec 2019 Construction Loan Jul 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-1N-24-2091-0020-0000`

Property Details

APN / Parcel Number

Primary APN	`17-1N-24-2091-0020-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,337 sqft Heated Area
Gross Area	3,088 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	232,610 sqft (5.34 acres)
Porch	Open Porch
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	35039 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 20 IN OR 2244/880 TUPELO PLANTATION WEST PB 8/17
Legal Range	24E
Legal Township	01N
Legal Section	17
Legal Subdivision	TUPELO PLANTATION WEST
Legal Lot Number	20
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3014
Census Tract	50504

Owner

35039 Hearthstone Way is owned and occupied by two individuals who bought it in December 2018.

Source: Nassau County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	35039 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 11, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Jul 9, 2020	Loan Modification, Mortgage FIRST FED'L SVGS BK
Dec 19, 2018	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on File
Deed Sale	Dec 19, 2018 · Amount on File
Prior Sale	Feb 7, 2014 · Amount on File
Deed Document Number	201845038983
Deed Book / Page	2244 / 0880
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	35039 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Transaction Type	Mortgage
Record Updated	May 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023240777
Date	Dec 11, 2019
Book Page	2324/0777
Instrument	201945039114

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	35039 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Document Number	0023741479
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35039 HEARTHSTONE WAY CALLAHAN FL 32011, CALLAHAN, FL 32011

Mortgage

Document Number	0023741479
Date	Jul 9, 2020
Book Page	002374/001479
Instrument	45020941

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 19, 2018
Property Address	35039 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Document Number	0022440880
Book / Page	002244 / 000880
Instrument Date	Dec 17, 2018
Instrument	45038983
Transaction Type	Transfer
Record Updated	Jan 17, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$329.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	582 STAFFORDSHIRE DR E JACKSONVILLE FL 322253978, JACKSONVILLE, FL 32225-3978

Mortgage

Document Number	22440882
Date	Dec 19, 2018
Book Page	002244/000882
Instrument	45038984

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 18, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 35039 Hearthstone Way was $3,803 with a homeowner's exemption, up 1.4% from the year before.

Source: Nassau County assessment roll, as of July 1, 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	$3,803.00 (+1.36%) Homeowner's exemption	$288,109 (+2.9%)	$527,781 (+5.2%) Land $83,249 Building $444,532
2024	$3,752.00 (+1.35%) Homeowner's exemption	$279,989 (+3%)	$501,685 (+7.36%) Land $77,220 Building $424,465
2023	$3,702.00 (+16.05%) Homeowner's exemption	$271,834 (+7.48%)	$467,292 (+33.71%) Land $71,560 Building $395,732
2022	$3,190.00 Homeowner's exemption	$252,926	$349,475 Land $45,180 Building $304,295

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 35039 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 35039 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)

Nearby Properties on Hearthstone Way

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