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43097 Ratliff Rd, Callahan, FL 32011 Property Records

Nassau County property record for 43097 Ratliff Rd, Callahan, FL 32011

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,630 sqft · built 2001
Lot Size3 acres (130,680 sqft)
Owner2 Individual Names on Record
Last Sale$50,000 (Mar 2018)
Tax Bill$1,886 (2025)
Deeds & MortgagesAug 2019 Mortgage
Mar 2018 Sale
Flood ZoneZone X (minimal risk)
APN24-1N-24-0750-0001-0020

Property Details

APN / Parcel Number

Primary APN24-1N-24-0750-0001-0020

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,630 sqft Living Area
Gross Area2,251 sqft
1st Floor Area1,450 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2006
Exterior MaterialOther
Construction TypeWood
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area130,680 sqft (3 acres)
Garage TypeAttached
Garage Area621 sqft

Exterior Amenities

PorchFlorida Room
Porch Area363 sqft
Deck Area140 sqft
Shed1 Shed
Shed Area360 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address43097 RATLIFF RD
CityCALLAHAN
StateFL
Zip32011-8243
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOR
Legal DescriptionBLK 1 PT LOT 2 IN OR OR 2180/1910 & ESMT IN OR 1578/350 HILLS AT THOMAS CREEK PBK 5/65
Legal Range25E
Legal Township01N
Legal Section19
Legal SubdivisionHILLS AT THOMAS CREEK
Legal Block1
Legal Lot Number2
JurisdictionNASSAU FL
Township / Civil DivisionCALLAHAN-HILLIARD
Census Block Group3
Census Block3008
Census Tract50505

Owner

Source: Nassau County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address43097 RATLIFF RD, CALLAHAN, FL 32011-8243
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 2, 2019Deed of Trust, Mortgage · Conventional Mortgage
VYSTAR CU
Mar 2, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 2, 2018 · Amount on Record
Deed SaleMar 2, 2018 · Amount on Record
Deed Document Number20186708
Deed Book / Page2180 / 1910
Prior Transfer DateAug 30, 2005
Prior Transfer Doc0013451685
Record UpdatedJun 8, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNASSAU FL
Property Address43097 RATLIFF RD, CALLAHAN, FL 32011-8243
Document Number0022960392
Instrument DateAug 2, 2019
Transaction TypeMortgage
Record UpdatedSep 6, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address43097 RATLIFF RD CALLAHAN FL 320118243, CALLAHAN, FL 32011-8243

Mortgage

Document Number0022960392
DateAug 7, 2019
Book Page002296/000392
Instrument45025605
Lender
NameVYSTAR CU
TypeCredit Union
AddressJACKSONVILLE, FL 32210
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 6, 2034

March 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNASSAU FL
Recording DateMar 2, 2018
Property Address43097 RATLIFF RD, CALLAHAN, FL 32011-8243
Document Number0021801910
Book / Page002180 / 001910
Instrument DateDec 5, 2016
Instrument6708
Transaction TypeTransfer
Record UpdatedMar 8, 2018

Transaction

AmountAmount Recorded
Tax$350.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address43097 RATLIFF RD CALLAHAN FL 320118243, CALLAHAN, FL 32011-8243

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyNassau County
Unified School DistrictNassau County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,886.00 (+1.67%) Homeowner's exemption$163,227 (+2.9%)$314,113 (+15.71%) Land $90,000 Building $224,113
2024$1,855.00 (+1.87%) Homeowner's exemption$158,627 (+3%)$271,463 (+2.27%) Land $54,000 Building $217,463
2023$1,821.00 (+11.44%) Homeowner's exemption$154,007 (+3%)$265,425 (+26.4%) Land $54,000 Building $211,425
2022$1,634.00 Homeowner's exemption$149,521$209,980 Land $45,000 Building $164,980

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 50 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies50 in force
Nearby Flood Claims11 (2008–2017)
Claims Outside the SFHA3 of 11
Most Recent ClaimSep 2017 · Hurricane Irma
Claims by Event
  • Hurricane Irma, Sep 2017 · 9 claims
  • Tropical Storm Fay, Aug 2008 · 2 claims

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

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

Wildfire RiskModerate
above 51% of the US · lower than 79% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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

ProviderMax Down / Up (Mbps)
Windstream
Fiber		2,000 / 2,000
Xfinity
Cable		1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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