43204 Ratliff Rd, Callahan, FL 32011 Property Records

Nassau County property record for 43204 Ratliff Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,792 sqft · built 2002
Lot Size	2.61 acres (114,127 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,813 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-1N-25-0000-0007-0040`

Property Details

APN / Parcel Number

Primary APN	`20-1N-25-0000-0007-0040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,792 sqft Heated Area
Gross Area	2,768 sqft
1st Floor Area	1,792 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	114,127 sqft (2.61 acres)

Exterior Amenities

Porch	Porch
Porch Area	1,006 sqft
Patio Area	138 sqft
Shed	1 Shed
Shed Area	140 sqft
Pole Barn	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	43204 RATLIFF RD
City	CALLAHAN
State	FL
Zip	32011-8246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PT OF NW1/4 OF SW1/4 OF SEC 20-1N-25E IN OR 1173/1243
Legal Range	25E
Legal Township	01N
Legal Section	20
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3002
Census Tract	50505

Owner

43204 Ratliff Rd is owned and occupied by two individuals who acquired it in September 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	43204 RATLIFF RD, CALLAHAN, FL 32011-8246
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
May 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2003
Deed Sale	Sep 19, 2003
Deed Document Number	0011731243
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43204 RATLIFF RD, CALLAHAN, FL 32011-8246
Transaction Type	Mortgage
Record Updated	May 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43204 RATIFF ROAD, CALLAHAN, FL 32011-8246

Mortgage

Document Number	0026361681
Date	May 5, 2023
Book Page	2636/1681
Instrument	202345013207

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43204 RATLIFF RD, CALLAHAN, FL 32011-8246
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43204 RATLIFF RD, CALLAHAN, FL 32011-8246

Mortgage

Document Number	0024851343
Date	Aug 6, 2021
Book Page	2485/1343
Instrument	202145029270

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 43204 Ratliff Rd was $1,813 with a homeowner's exemption, up 1.6% 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	$1,813.00 (+1.63%) Homeowner's exemption	$158,500 (+2.9%)	$360,668 (+3.61%) Land $91,700 Building $268,968
2024	$1,784.00 (+1.94%) Homeowner's exemption	$154,033 (+3%)	$348,100 (+3.29%) Land $91,700 Building $256,400
2023	$1,750.00 (+11.54%) Homeowner's exemption	$149,547 (+3%)	$337,000 (+25.47%) Land $91,700 Building $245,300
2022	$1,569.00 Homeowner's exemption	$145,191	$268,586 Land $91,700 Building $176,886

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

Flood

FEMA maps place 43204 Ratliff Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 43204 Ratliff Rd is moderate, ranking above 48% of the US, with a 0.1% annual chance of 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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