43487 Ratliff Rd, Callahan, FL 32011 Property Records

Nassau County property record for 43487 Ratliff Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,980 sqft · built 1988
Lot Size	2.68 acres (116,741 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Mar 2020)
Tax Bill	$4,157 (2025)
Deeds & Mortgages	Jul 2018 Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-1N-25-2900-0016-0000`

Property Details

APN / Parcel Number

Primary APN	`16-1N-25-2900-0016-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,980 sqft Heated Area
Gross Area	3,420 sqft
1st Floor Area	1,965 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1993
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	116,741 sqft (2.68 acres)
Garage Type	Mixed
Garage Area	1,080 sqft
Carport	Carport
Carport Area	1,260 sqft

Exterior Amenities

Pool Area	356 sqft
Porch	Open Porch
Porch Area	75 sqft
Pole Barn	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	43487 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 16 IN OR 2343/1228 EX S-1 & S-2 RATLIFF ACRES UNR
Legal Range	25E
Legal Township	01N
Legal Section	16
Legal Subdivision	RATLIFF ACRES
Legal Lot Number	16
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	3
Census Block	3000
Census Tract	50505

Owner

43487 Ratliff Rd is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	43487 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.

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2018	Deed of Trust, Mortgage · Line of Credit JAX FCU
Mar 3, 2020	Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2020 · Amount on File
Deed Sale	Mar 3, 2020 · Amount on File
Prior Sale	Mar 25, 2014
Deed Document Number	202045007027
Deed Book / Page	2343 / 1228
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	43487 RATLIFF RD, CALLAHAN, FL 32011-8251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022140615
Date	Jul 27, 2018
Book Page	2214/0615
Instrument	201823510

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 26, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 3, 2020
Property Address	43487 RATLIFF RD, CALLAHAN, FL 32011-8251
Document Number	0023431228
Book / Page	2343 / 1228
Instrument Date	Feb 28, 2020
Instrument	202045007027
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	GUARDIAN TITLE AND TRUST INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43390 RATLIFF RD, 43390, CALLAHAN, FL 32011-8248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43487 RATLIFF RD, CALLAHAN, FL 32011-8251

Mortgage

Document Number	0023431230
Date	Mar 3, 2020
Instrument	2343/1230

Lender

Name	GATEWAY FIRST BANK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 43487 Ratliff Rd was $4,157 with a homeowner's exemption, up 6.3% 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	$4,157.00 (+6.29%) Homeowner's exemption	$311,180 (+7.24%)	$473,239 (+5.16%) Land $93,800 Building $379,439
2024	$3,911.00 (+1.35%) Homeowner's exemption	$290,165 (+3%)	$450,003 (+2.09%) Land $93,800 Building $356,203
2023	$3,859.00 (+71.51%) Homeowner's exemption	$281,714 (+47.95%)	$440,787 (+48.53%) Land $93,800 Building $346,987
2022	$2,250.00 Homeowner's exemption	$190,415	$296,759 Land $93,800 Building $202,959

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

Flood

FEMA maps place 43487 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 43487 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.

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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