Nassau County property record for 43635 Ratliff Rd, Callahan, FL 32011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1960 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,000 (Sep 2015) |
| Tax Bill | $671 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 16-1N-25-0000-0004-0010 |
| Primary APN | 16-1N-25-0000-0004-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Heated Area |
| Gross Area | 1,503 sqft |
| 1st Floor Area | 960 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Mixed |
| Garage Area | 256 sqft |
| Porch | Open Porch |
| Porch Area | 15 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 43635 RATLIFF RD |
|---|---|
| City | CALLAHAN |
| State | FL |
| Zip | 32011-7253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR |
| Legal Description | BEING IN SE1/4 OF NE1/4 IN OR 2001/991 |
| Legal Range | 25E |
| Legal Township | 01N |
| Legal Section | 16 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | CALLAHAN-HILLIARD |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 50505 |
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 |
|---|---|
| Mailing Address | 43635 RATLIFF RD, CALLAHAN, FL 32011-7253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 5, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2015 · Amount on Record |
| Deed Sale | Sep 8, 2015 · Amount on Record |
| Prior Sale | Jul 31, 2008 · Amount on Record |
| Deed Document Number | 201525542 |
| Deed Book / Page | 2001 / 0991 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 43635 RATLIFF RD, CALLAHAN, FL 32011-7253 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 43635 RATLIFF RD, CALLAHAN, FL 32011-7253 |
| Document Number | 0026701652 |
|---|---|
| Date | Oct 2, 2023 |
| Book Page | 2670/1652 |
| Instrument | 202345029871 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 263 Months |
| Due | Sep 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 43635 RATLIFF RD, CALLAHAN, FL 32011-7253 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4363 RATLIFF RD, CALLAHAN, FL 32011 |
| Document Number | 0025910403 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 2591/403 |
| Instrument | 202245032166 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 276 Months |
| Due | Sep 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 43635 RATLIFF RD, CALLAHAN, FL 32011-7253 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 43635 RATLIFF RD, CALLAHAN, FL 32011-7253 |
| Document Number | 0024481256 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 2448/1256 |
| Instrument | 202145011903 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 293 Months |
| Due | Sep 1, 2045 |
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 | $671.00 (+2.76%) Homeowner's exemption | $84,058 (+2.9%) | $148,603 (+10.7%) Land $45,000 Building $103,603 |
| 2024 | $653.00 (+3.82%) Homeowner's exemption | $81,689 (+3%) | $134,238 (+3.09%) Land $35,000 Building $99,238 |
| 2023 | $629.00 (+15.84%) Homeowner's exemption | $79,310 (+3%) | $130,215 (+14.59%) Land $35,000 Building $95,215 |
| 2022 | $543.00 Homeowner's exemption | $77,000 | $113,640 Land $35,000 Building $78,640 |
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 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 36 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 36 in force |
| Nearby Flood Claims | 2 (2017) |
| 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 50% of the US · lower than 79% 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 86 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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