43405 Ratliff Rd, Callahan, FL 32011 Property Records

Nassau County property record for 43405 Ratliff Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1993
Lot Size	9.21 acres (401,188 sqft)
Owner	Individual Name on Record
Last Sale	$499,000 (Apr 2022)
Tax Bill	$3,903 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Sep 2021 Mortgage
Flood Zone	Zone A (high risk)
APN	`16-1N-25-2900-0012-0030`

Property Details

APN / Parcel Number

Primary APN	`16-1N-25-2900-0012-0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,421 sqft Heated Area
Gross Area	2,317 sqft
1st Floor Area	1,421 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1998
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	401,188 sqft (9.21 acres)
Garage Area	420 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	128 sqft
Patio Area	348 sqft
Shed	1 Shed
Shed Area	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	43405 RATLIFF RD
City	CALLAHAN
State	FL
Zip	32011-8251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PT LOT 12 IN OR 2553/1022 ESMT OR 1028/1641 RATLIFF ACRES UNR & BLOCK 8 PT LOTS 1 & 2 IN OR 2553/1022 ESMT OR 1028/1641 WOODL
Legal Range	25E
Legal Township	01N
Legal Section	16
Legal Subdivision	WOODLAND ESTATES
Legal Block	8
Legal Lot Number	12
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	43405 RATLIFF RD, CALLAHAN, FL 32011-8251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Sep 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage JAX FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2022 · Amount on Record
Deed Sale	Apr 7, 2022 · Amount on Record
Deed Document Number	202245012794
Deed Book / Page	2553 / 1022
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 7, 2022
Property Address	43405 RATLIFF RD, CALLAHAN, FL 32011-8251
Document Number	0025531022
Book / Page	2553 / 1022
Map Reference	MB 4 PG 46-48
Instrument Date	Apr 4, 2022
Instrument	202245012794
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	PONTE VEDRA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,493.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 DAVE BROWN RD, 321, SAINT GEORGE, GA 31562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43405 RATLIFF RD, CALLAHAN, FL 32011-8251

Mortgage

Document Number	0025531024
Date	Apr 7, 2022
Instrument	2553/1024

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43405 RATLIFF RD, CALLAHAN, FL 32011-8251
Transaction Type	Mortgage
Record Updated	Oct 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43405 RATLIFF RD, CALLAHAN, FL 32011-8251

Mortgage

Document Number	0024941665
Date	Sep 8, 2021
Book Page	2494/1665
Instrument	202145033501

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

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	$3,903.00 (+1.38%) Homeowner's exemption	$294,589 (+2.9%)	$393,107 (+11.73%) Land $179,595 Building $213,512
2024	$3,850.00 (+1.34%) Homeowner's exemption	$286,287 (+3%)	$351,845 (+2.34%) Land $147,360 Building $204,485
2023	$3,799.00 (+12.96%) Homeowner's exemption	$277,949 (+5.12%)	$343,812 (+9.42%) Land $147,360 Building $196,452
2022	$3,363.00 Homeowner's exemption	$264,412	$314,222 Land $165,780 Building $148,442

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	0.09% 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 44 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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