Nassau County property record for 45041 Gail Dr, Callahan, FL 32011
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,620 sqft · built 2007 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Dec 2013) |
| Tax Bill | $1,043 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-2N-24-0212-0011-0000 |
| Primary APN | 13-2N-24-0212-0011-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 45,738 sqft (1.05 acres) |
| Porch | Unfinished Open Porch |
| Deck Area | Deck Area |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45041 GAIL DR |
|---|---|
| City | CALLAHAN |
| State | FL |
| Zip | 32011-6614 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR |
| Legal Description | LOT 11 IN OR 1895/581 CALLAHAN PINES PB 5/285-286 |
| Legal Range | 24E |
| Legal Township | 02N |
| Legal Section | 13 |
| Legal Subdivision | CALLAHAN PINES |
| Legal Lot Number | 11 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | CALLAHAN-HILLIARD |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 50507 |
45041 Gail Dr is owned and occupied by two individuals who bought it in December 2013.
Source: Nassau County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45041 GAIL DR, CALLAHAN, FL 32011-6614 |
| 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.
| Date | Document |
|---|---|
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CU |
| Dec 1, 2018 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2013 · Amount on File |
| Deed Sale | Dec 26, 2013 · Amount on File |
| Prior Sale | Jul 30, 2012 |
| Deed Document Number | 201335238 |
| Deed Book / Page | 1895 / 581 |
| Prior Transfer Date | Feb 4, 2013 |
| Prior Transfer Doc | 0018571421 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 45041 GAIL DR, CALLAHAN, FL 32011-6614 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 45041 GAIL DR, CALLAHAN, FL 32011-6614 |
| Document Number | 0024191869 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 2419/1869 |
| Instrument | 202045041882 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 45041 GAIL DR, CALLAHAN, FL 32011-6614 |
| Document Number | 0022430354 |
| Instrument Date | Dec 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45041 GAIL DR CALLAHAN FL 320116614, CALLAHAN, FL 32011-6614 |
| Document Number | 0022430354 |
|---|---|
| Date | Dec 12, 2018 |
| Book Page | 002243/000354 |
| Instrument | 45038310 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32210 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 11, 2028 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 45041 Gail Dr was $1,043 with a homeowner's exemption, up 2.2% from the year before.
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 | $1,043.00 (+2.15%) Homeowner's exemption | $108,299 (+2.9%) | $209,786 (+18.43%) Land $47,250 Building $162,536 |
| 2024 | $1,021.00 (+2.72%) Homeowner's exemption | $105,247 (+3%) | $177,139 (+4.82%) Land $31,500 Building $145,639 |
| 2023 | $994.00 (+13.34%) Homeowner's exemption | $102,182 (+3%) | $168,996 (+15.68%) Land $31,500 Building $137,496 |
| 2022 | $877.00 Homeowner's exemption | $99,206 | $146,093 Land $28,350 Building $117,743 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45041 Gail Dr 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 5 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.
Wildfire risk around 45041 Gail Dr is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 50 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 |
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