Nassau County property record for 43445 Ratliff Rd, Callahan, FL 32011
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,424 sqft · built 1985 |
| Lot Size | 1.75 acres (76,230 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $43,000 (Apr 1989) |
| Tax Bill | $938 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 16-1N-25-2900-0013-0010 |
| Primary APN | 16-1N-25-2900-0013-0010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,424 sqft Heated Area |
| Gross Area | 1,690 sqft |
| 1st Floor Area | 1,424 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Other |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 76,230 sqft (1.75 acres) |
| Garage Area | 900 sqft |
| Porch | Porch |
| Porch Area | 266 sqft |
| Pole Barn | 800 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 43445 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 OF LOT 13 IN OR 567/556 RATLIFF ACRES UNR |
| Legal Range | 25E |
| Legal Township | 01N |
| Legal Section | 16 |
| Legal Subdivision | RATLIFF ACRES |
| Legal Lot Number | 13 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | CALLAHAN-HILLIARD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 50505 |
43445 Ratliff Rd is owned and occupied by two individuals who bought it in April 1989.
Source: Nassau County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 43445 RATLIFF RD, CALLAHAN, FL 32011-8251 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 1989 · Amount on File |
| Deed Sale | Apr 11, 1989 · Amount on File |
| Deed Document Number | 0000567556 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 43445 RATLIFF RD, CALLAHAN, FL 32011-8251 |
| Document Number | 0021190004 |
| Book / Page | 002119 / 000004 |
| Instrument Date | May 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43445 RATLIFF RD CALLAHAN FL 320118251, CALLAHAN, FL 32011-8251 |
| Document Number | 0021190004 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 002119/000004 |
| Instrument | 13804 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 8, 2047 |
The 2025 property tax bill for 43445 Ratliff Rd was $938 with a homeowner's exemption, up 2.2% from the year before.
Source: Nassau County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $938.00 (+2.18%) Homeowner's exemption | $101,489 (+2.9%) | $230,743 (+10.83%) Land $78,750 Building $151,993 |
| 2024 | $918.00 (+3.03%) Homeowner's exemption | $98,629 (+3%) | $208,197 (+8.96%) Land $61,250 Building $146,947 |
| 2023 | $891.00 (+13.65%) Homeowner's exemption | $95,756 (+3%) | $191,070 (+14.97%) Land $61,250 Building $129,820 |
| 2022 | $784.00 Homeowner's exemption | $92,967 | $166,195 Land $61,250 Building $104,945 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43445 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 |
|
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 risk around 43445 Ratliff Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · lower than 83% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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