43191 Ratliff Rd, Callahan, FL 32011 Property Records

Nassau County property record for 43191 Ratliff Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,609 sqft · built 1994
Lot Size	6.36 acres (277,477 sqft)
Owner	2 Owner Names on Record
Last Sale	$220,000 (Sep 2000)
Tax Bill	$2,808 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Second Mortgage
Flood Zone	Zone A (high risk)
APN	`20-1N-25-0000-0004-0040`

Property Details

APN / Parcel Number

Primary APN	`20-1N-25-0000-0004-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,609 sqft Heated Area
Gross Area	3,300 sqft
1st Floor Area	1,780 sqft
Upper Floors Area	829 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	277,477 sqft (6.36 acres)
Lot Width	5 ft Width
Garage Type	Mixed
Garage Area	720 sqft
Carport	Carport
Carport Area	600 sqft

Exterior Amenities

Porch	Porch
Porch Area	250 sqft
Shed	1 Shed
Shed Area	240 sqft
Pole Barn	405 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	43191 RATLIFF RD
City	CALLAHAN
State	FL
Zip	32011-8245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PT SE1/4 OF NE1/4 OF SEC 19 & PT SW1/4 OF NW1/4 OF SEC 20 IN OR 950/1758
Legal Range	25E
Legal Township	01N
Legal Section	20
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3000
Census Tract	50505

Owner

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

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

Owner of Record	2 Owner Names on Record
Mailing Address	43191 RATLIFF RD, CALLAHAN, FL 32011-8245
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Aug 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2000 · Amount on Record
Deed Sale	Sep 26, 2000 · Amount on Record
Deed Document Number	0009501758
Deed Book / Page	950 / 1758
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43191 RATLIFF RD, CALLAHAN, FL 32011-8245
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43191 RATLIFF RD, CALLAHAN, FL 32011-8245

Mortgage

Document Number	0028370914
Date	Dec 23, 2025
Book Page	2837/914
Instrument	202545038436

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 19, 2040

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43191 RATLIFF RD, CALLAHAN, FL 32011-8245
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43191 RATLIFF RD, CALLAHAN, FL 32011-8245

Mortgage

Document Number	0026620905
Date	Aug 22, 2023
Book Page	2662/905
Instrument	202345025602

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 16, 2033

Tax Assessment & Valuation

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	$2,808.00 (+1.48%) Homeowner's exemption	$223,263 (+2.9%)	$480,398 (+8.98%) Land $163,100 Building $317,298
2024	$2,767.00 (+1.54%) Homeowner's exemption	$216,971 (+3%)	$440,832 (+2.49%) Land $134,660 Building $306,172
2023	$2,725.00 (+10.68%) Homeowner's exemption	$210,651 (+3%)	$430,128 (+28.26%) Land $134,660 Building $295,468
2022	$2,462.00 Homeowner's exemption	$204,516	$335,345 Land $105,860 Building $229,485

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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 50 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	50 in force
Nearby Flood Claims	11 (2008–2017)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Sep 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 Risk	Moderate above 48% of the US · lower than 81% of Florida
Wildfire Likelihood	0.1% 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 26 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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