43244 Ratliff Rd, Callahan, FL 32011 Property Records

Nassau County property record for 43244 Ratliff Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,675 sqft · built 1992
Lot Size	5.96 acres (259,618 sqft)
Owner	2 Individual Names on File
Last Sale	$192,700 (Aug 2016)
Tax Bill	$2,582 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2021 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`16-1N-25-2900-0041-0000`

Property Details

APN / Parcel Number

Primary APN	`16-1N-25-2900-0041-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,675 sqft Living Area
1st Floor Area	1,520 sqft
Upper Floors Area	1,155 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Wood
Roof Type	Cathedral/Clerestory
Roof Material	Metal
Lot Area	259,618 sqft (5.96 acres)
Garage Type	Detached
Garage Area	384 sqft
Porch	Unfinished Open Porch
Porch Area	1,380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	43244 RATLIFF RD
City	CALLAHAN
State	FL
Zip	32011-8246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	LOT 41 IN OR 2062/953 RATLIFF ACRES UNR
Legal Range	25E
Legal Township	01N
Legal Section	16
Legal Subdivision	RATLIFF ACRES
Legal Lot Number	41
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3002
Census Tract	50505

Owner

43244 Ratliff Rd is owned and occupied by two individuals who bought it in August 2016.

Source: Nassau County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	43244 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
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 29, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 21, 2020	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2016 · Amount on File
Deed Sale	Aug 2, 2016 · Amount on File
Prior Sale	Aug 10, 2015
Deed Document Number	201621707
Deed Book / Page	2062 / 953
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43244 RATLIFF RD, CALLAHAN, FL 32011-8246
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43244 RATLIFF RD, CALLAHAN, FL 32011-8246

Mortgage

Document Number	0028320305
Date	Dec 1, 2025
Book Page	2832/305
Instrument	202545035976

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 12, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43244 RATLIFF RD, CALLAHAN, FL 32011-8246
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43244 RATLIFF RD, CALLAHAN, FL 32011-8246

Mortgage

Document Number	0025090978
Date	Oct 29, 2021
Book Page	2509/978
Instrument	202145040389

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43244 RATLIFF RD, CALLAHAN, FL 32011-8246
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43244 RATLIFF RD, CALLAHAN, FL 32011-8246

Mortgage

Document Number	0023860125
Date	Aug 21, 2020
Book Page	2386/125
Instrument	202045026346

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 43244 Ratliff Rd was $2,582 with a homeowner's exemption, up 1.5% from the year before.

Source: Nassau County assessment roll, as of November 26, 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	$2,582.00 (+1.49%) Homeowner's exemption	$208,574 (+2.9%)	$448,051 (+8.59%) Land $116,220 Building $331,831
2024	$2,544.00 (+1.6%) Homeowner's exemption	$202,696 (+3%)	$412,596 (+7.34%) Land $95,360 Building $317,236
2023	$2,504.00 (+10.85%) Homeowner's exemption	$196,792 (+3%)	$384,376 (+9.46%) Land $95,360 Building $289,016
2022	$2,259.00 Homeowner's exemption	$191,060	$351,170 Land $107,280 Building $243,890

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

Flood

FEMA maps place 43244 Ratliff Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 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 43244 Ratliff Rd is moderate, ranking above 54% 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 54% of the US · lower than 74% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 and 4G LTE (outdoors only)

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