35042 Hearthstone Way, Callahan, FL 32011 Property Records

Nassau County property record for 35042 Hearthstone Way, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,080 sqft · built 2018
Lot Size	3.21 acres (139,828 sqft)
Owner	Individual Name on File
Last Sale	$583,000 (Aug 2024)
Tax Bill	$5,517 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-1N-24-2091-0026-0000`

Property Details

APN / Parcel Number

Primary APN	`17-1N-24-2091-0026-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,080 sqft Heated Area
Gross Area	3,473 sqft
1st Floor Area	2,080 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Other
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	139,828 sqft (3.21 acres)
Garage Area	576 sqft
Porch	Open Porch
Porch Area	352 sqft
Patio Area	465 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	35042 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 26 TUPELO PLANTATION WEST PB 8/17
Legal Range	24E
Legal Township	01N
Legal Section	17
Legal Subdivision	TUPELO PLANTATION WEST
Legal Lot Number	26
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3014
Census Tract	50504

Owner

35042 Hearthstone Way is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	35042 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
Feb 16, 2022	Deed of Trust, Mortgage · Line of Credit VYSTAR CU
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Apr 9, 2018	Loan Modification, Mortgage FIRST FSB/FL
May 16, 2017	Trustee's Deed, Construction Loan · Construction Mortgage FIRST FSB/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2024 · Amount on File
Deed Sale	Aug 19, 2024 · Amount on File
Prior Sale	Sep 1, 2015 · Amount on File
Deed Document Number	202445023313
Deed Book / Page	2732 / 1115
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	35042 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Transaction Type	Mortgage
Record Updated	Mar 25, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35042 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768

Mortgage

Document Number	0025391225
Date	Feb 16, 2022
Book Page	2539/1225
Instrument	202245005919

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	35042 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BAKER T&E CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023570730
Date	Apr 28, 2020
Book Page	2357/730
Instrument	202045012840

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	35042 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Document Number	0021891279
Instrument Date	Apr 9, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35042 HEARTHSTONE WAY CALLAHAN FL 320118768, CALLAHAN, FL 32011-8768

Mortgage

Document Number	0021891279
Date	Apr 12, 2018
Book Page	002189/001279
Instrument	11252

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	NASSAU FL
Recording Date	May 16, 2017
Property Address	35042 HEARTHSTONE WAY, CALLAHAN, FL 32011-8768
Document Number	0021201028
Book / Page	002120 / 001028
Instrument Date	May 12, 2017
Instrument	14602
Transaction Type	Construction Loan
Record Updated	May 25, 2017
Title Company	BAKER TITLE AND ESCROW COMPANY INC, BAKER TITLE & ESCROW CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85129 SAINT JOHN CT YULEE FL 320975698, YULEE, FL 32097-5698

Mortgage

Document Number	21201028
Date	May 16, 2017
Book Page	002120/001028
Instrument	14602

Lender

Name	FIRST FSB/FL
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 15, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 35042 Hearthstone Way was $5,517 with a homeowner's exemption, up 77.1% 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	$5,517.00 (+77.11%) Homeowner's exemption	$399,765 (+67.12%)	$510,485 (+10.56%) Land $81,855 Building $428,630
2024	$3,115.00 (+0.29%) Homeowner's exemption	$239,213 (+2.01%)	$461,710 (+5.16%) Land $77,040 Building $384,670
2023	$3,106.00 (+10.53%) Homeowner's exemption	$234,493 (+3%)	$439,049 (+32.93%) Land $77,040 Building $362,009
2022	$2,810.00 Homeowner's exemption	$227,663	$330,293 Land $57,780 Building $272,513

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 35042 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 35042 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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