45131 Lowe Rd, Callahan, FL 32011 Property Records

Nassau County property record for 45131 Lowe Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,558 sqft · built 2020
Lot Size	1.92 acres (83,635 sqft)
Owner	Individual Name on File
Deeds & Mortgages	May 2020 Construction Loan Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`28-2N-25-3060-0010-0070`

Property Details

APN / Parcel Number

Primary APN	`28-2N-25-3060-0010-0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,558 sqft Living Area
Gross Area	1,858 sqft
1st Floor Area	1,558 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	83,635 sqft (1.92 acres)
Garage Type	Attached
Garage Area	300 sqft
Porch	Finished/Open Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	45131 LOWE RD
City	CALLAHAN
State	FL
Zip	32011-4553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PT OF LOT 10 IN OR 515 PG 483 EAST CALLAHAN SUB PB 1/35
Legal Range	25E
Legal Township	02N
Legal Section	28
Legal Subdivision	EAST CALLAHAN SUB
Legal Block	70
Legal Lot Number	10
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2019
Census Tract	50506

Owner

Source: Nassau County records · APN 28-2N-25-3060-0010-0070

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address	45131 LOWE RD, CALLAHAN, FL 32011-4553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Oct 21, 2020	Loan Modification, Mortgage FIRST FED'L SVGS BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 28, 2015
Deed Sale	Sep 28, 2015
Prior Sale	Jul 18, 2014
Deed Document Number	201527716
Deed Book / Page	2005 / 739
Prior Transfer Date	Feb 27, 2002
Prior Transfer Doc	0000007811
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45131 LOWE RD, CALLAHAN, FL 32011-4553
Transaction Type	Mortgage
Record Updated	May 09, 2022
Title Company	US PATRIOT TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023601100
Date	May 12, 2020
Book Page	2360/1100
Instrument	202045014200

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	LAKE CITY, FL 32055

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jun 01, 2051

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	45131 LOWE RD, CALLAHAN, FL 32011-4553
Document Number	0024121073
Instrument Date	Oct 21, 2020
Transaction Type	Mortgage
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45131 LOWE RD CALLAHAN FL 320114553, CALLAHAN, FL 32011-4553

Mortgage

Document Number	0024121073
Date	Dec 01, 2020
Book Page	002412/001073
Instrument	45038733

Lender

Name	FIRST FED'L SVGS BK
Type	Federal Savings Bank
Address	LAKE CITY, FL 32055

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

Source: Nassau County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Nassau County
Unified School District	Nassau County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Disabled Person's exemption	$304,160 (+5.99%)	$327,699 (+14.19%) Land $86,400 Building $241,299
2023	Disabled Person's exemption	$286,979 Land $67,200 Building $219,779	$286,979 Land $67,200 Building $219,779

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 21, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 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

Wildfire

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

May also be available: T-Mobile USA.

Based on FCC filings for 30 locations within half a mile of this property.

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