43457 Ratliff Rd, Callahan, FL 32011 Property Records

Nassau County property record for 43457 Ratliff Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,977 sqft · built 1977
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Nov 2022)
Tax Bill	$6,992 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-1N-25-2900-0014-0000`

Property Details

APN / Parcel Number

Primary APN	`16-1N-25-2900-0014-0000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,750 sqft Living Area
Gross Area	3,566 sqft
1st Floor Area	2,750 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2000
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	528 sqft
Driveway	Concrete Driveway

Exterior Amenities

Pool Area	480 sqft
Porch	Finished/Open Porch
Porch Area	282 sqft
Deck Area	Deck Area
Patio Area	252 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	43457 RATLIFF RD
City	CALLAHAN
State	FL
Zip	32011-8251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	LOT 14 IN OR 2604/1963 RATLIFF ACRES UNR
Legal Range	25E
Legal Township	01N
Legal Section	16
Legal Subdivision	RATLIFF ACRES
Legal Lot Number	14
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 September 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	43457 RATLIFF RD, CALLAHAN, FL 32011-8251
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Jun 10, 2021	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Apr 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2022 · Amount on Record
Deed Sale	Nov 29, 2022 · Amount on Record
Prior Sale	Jun 10, 2021 · Amount on Record
Deed Document Number	202239176
Deed Book / Page	2604 / 1963
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 29, 2022
Property Address	43457 RATLIFF RD, CALLAHAN, FL 32011-8251
Document Number	0026041963
Book / Page	2604 / 1963
Instrument Date	Nov 14, 2022
Instrument	202245039176
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,920.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	580 N ZUNI TRL, DEWEY, AZ 86327-5637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43457 RATLIFF RD, CALLAHAN, FL 32011-8251

Mortgage

Document Number	0026041965
Date	Nov 29, 2022
Instrument	2604/1965

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 10, 2021
Property Address	43457 RATLIFF RD, CALLAHAN, FL 32011-8251
Document Number	0024690979
Book / Page	2469 / 979
Instrument Date	Jun 1, 2021
Instrument	202145021687
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,639.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45292 INGLEHAM CIR, 45292, CALLAHAN, FL 32011-3792

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43457 RATLIFF RD, CALLAHAN, FL 32011-8251

Mortgage

Document Number	2469981
Date	Jun 10, 2021
Instrument	2469/981

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43457 RATLIFF RD, CALLAHAN, FL 32011-8251
Document Number	0023580198
Instrument Date	Apr 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	43457 RATLIFF RD CALLAHAN FL 320118251, CALLAHAN, FL 32011-8251

Mortgage

Document Number	0023580198
Date	May 1, 2020
Book Page	002358/000198
Instrument	45013172

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 30, 2025

Tax Assessment & Valuation

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	Veteran's exemption	$519,748 (+6.66%) Land $97,500 Building $422,248	$519,748 (+6.66%) Land $97,500 Building $422,248
2024	$6,992.00 (+1.01%) Homeowner's exemption	$487,307 (+2.9%) Land $80,000 Building $407,307	$487,307 (+2.9%) Land $80,000 Building $407,307
2023	$6,922.00 (+35.46%) Homeowner's exemption	$473,586 (+22.85%) Land $80,000 Building $393,586	$473,586 (+16.3%) Land $80,000 Building $393,586
2022	$5,110.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$385,514	$407,224 Land $90,000 Building $317,224

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 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 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 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.

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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