Nassau County property record for 45064 Cardinal Ln, Callahan, FL 32011
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,920 sqft · built 1993 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Nov 2021) |
| Tax Bill | $2,115 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jul 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-2N-25-3060-0018-0020 |
| Primary APN | 28-2N-25-3060-0018-0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 1,920 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 44,431 sqft (1.02 acres) |
| Garage Area | 448 sqft |
| Deck Area | 255 sqft |
|---|---|
| Patio Area | 327 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45064 CARDINAL LN |
|---|---|
| City | CALLAHAN |
| State | FL |
| Zip | 32011-4501 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | OR |
| Legal Description | PT OF LOTS 18 & 19 IN OR 2653/523 EAST CALLAHAN SUB PB 1/35 |
| Legal Range | 25E |
| Legal Township | 02N |
| Legal Section | 28 |
| Legal Subdivision | EAST CALLAHAN SUB |
| Legal Block | 20 |
| Legal Lot Number | 18 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | CALLAHAN-HILLIARD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 50506 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Mar 28, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| Jul 12, 2023 | Intrafamily Transfer, Transfer · Loan Assumption LAKEVIEW LOAN SERVICING LLC |
| Nov 17, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| May 15, 2020 | Deed of Trust, Mortgage · Line of Credit VYSTAR CU |
| Apr 12, 2019 | Grant Deed, Transfer · Conventional with PMI VYSTAR CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2021 · Amount on Record |
| Deed Sale | Nov 17, 2021 · Amount on Record |
| Prior Sale | Apr 12, 2019 · Amount on Record |
| Deed Document Number | 202145042700 |
| Deed Book / Page | 2514 / 837 |
| Last Transfer Date | Jun 30, 2023 |
| Transfer Doc | 0026530523 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Document Number | 0027021061 |
|---|---|
| Date | Mar 28, 2024 |
| Book Page | 2702/1061 |
| Instrument | 202445008384 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Jul 12, 2023 |
| Property Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Document Number | 0026530523 |
| Book / Page | 2653 / 523 |
| Map Reference | MB 1 PG 2&35 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 202345020948 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Name | Verified Name |
|---|---|
| Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Document Number | 0002653527 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 2653/527 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Loan Assumption |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Nov 17, 2021 |
| Property Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Document Number | 0025140837 |
| Book / Page | 2514 / 837 |
| Map Reference | MB 1 PG 2&35 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 202145042700 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 391643 PROSPECT LANDING RD, 391643, HILLIARD, FL 32046-5713 |
| Name | Verified Name |
|---|---|
| Address | 7711 LAZEAU DR, JACKSONVILLE, FL 32211-4327 |
| Document Number | 0002514840 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 2514/840 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Document Number | 0023660797 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45064 CARDINAL LN CALLAHAN FL 320114501, CALLAHAN, FL 32011-4501 |
| Document Number | 0023660797 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 002366/000797 |
| Instrument | 45017167 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 7, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 12, 2019 |
| Property Address | 45064 CARDINAL LN, CALLAHAN, FL 32011-4501 |
| Document Number | 0022671930 |
| Book / Page | 002267 / 001930 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 45011618 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2019 |
| Title Company | VYSTAR TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $595.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1231 FORREST DR FERNANDINA BEACH FL 320345466, FERNANDINA BEACH, FL 32034-5466 |
| Document Number | 22671932 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 002267/001932 |
| Instrument | 45011619 |
| Name | VYSTAR CU |
|---|---|
| Type | Credit Union |
| Address | JACKSONVILLE, FL 32270 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 11, 2034 |
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 | $2,115.00 (+1.59%) | $178,131 (+2.9%) | $237,760 (+10.61%) Land $45,900 Building $191,860 |
| 2024 | $2,082.00 (+1.81%) Homeowner's exemption | $173,111 (+3%) | $214,963 (+2.87%) Land $35,700 Building $179,263 |
| 2023 | $2,045.00 (+11.14%) Homeowner's exemption | $168,069 (+3%) | $208,971 (+28.07%) Land $35,700 Building $173,271 |
| 2022 | $1,840.00 Homeowner's exemption | $163,174 Land $35,700 Building $127,474 | $163,174 Land $35,700 Building $127,474 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 44 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 2 (2012–2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 56% of the US · lower than 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 40 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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