Nassau County property record for 43509 Ratliff Rd, Callahan, FL 32011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,459 sqft · built 1987 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $71,000 (Jul 2007) |
| Tax Bill | $3,340 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-1N-25-2900-0018-0020 |
| Primary APN | 16-1N-25-2900-0018-0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,459 sqft Living Area |
| Gross Area | 1,871 sqft |
| 1st Floor Area | 1,459 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Type | Attached |
| Garage Area | 412 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 182 sqft |
| Deck Area | Deck Area |
| Patio Area | 35 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Pole Barn | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 43509 RATLIFF RD |
|---|---|
| City | CALLAHAN |
| State | FL |
| Zip | 32011-8253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR |
| Legal Description | PT OF LOT 18 IN OR 1512/891 RATLIFF ACRES UNR |
| Legal Range | 25E |
| Legal Township | 01N |
| Legal Section | 16 |
| Legal Subdivision | RATLIFF ACRES |
| Legal Block | 20 |
| Legal Lot Number | 18 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | CALLAHAN-HILLIARD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 50505 |
Source: Nassau County records, as of November 26, 2025
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 | 43509 RATLIFF RD, CALLAHAN, FL 32011-8253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2007 · Amount on Record |
| Deed Sale | Jul 13, 2007 · Amount on Record |
| Deed Document Number | 200723007 |
| Deed Book / Page | 1512 / 891 |
| Prior Transfer Date | Jul 11, 2007 |
| Prior Transfer Doc | 0015120891 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 43509 RATLIFF RD, CALLAHAN, FL 32011-8253 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0021221863 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 2122/1863 |
| Instrument | 201715880 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2037 |
Source: Nassau County assessment roll, as of November 26, 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 | $3,340.00 (+7.64%) | $223,087 (+9.02%) Land $50,400 Building $172,687 | $223,087 (+9.02%) Land $50,400 Building $172,687 |
| 2024 | $3,103.00 (+4.97%) | $204,633 (+3.5%) Land $39,200 Building $165,433 | $204,633 (+3.5%) Land $39,200 Building $165,433 |
| 2023 | $2,956.00 (+20.06%) | $197,704 (+17.16%) Land $39,200 Building $158,504 | $197,704 (+17.16%) Land $39,200 Building $158,504 |
| 2022 | $2,462.00 | $168,751 Land $39,200 Building $129,551 | $168,751 Land $39,200 Building $129,551 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 100 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 |
|
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.
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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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