45140 Musslewhite Rd, Callahan, FL 32011 Property Records

Nassau County property record for 45140 Musslewhite Rd, Callahan, FL 32011

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 2 ba · 3,186 sqft · built 2020
Lot Size	28.9 acres (1,259,755 sqft)
Owner	2 Company Names on File
Tax Bill	$3,836 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jan 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-2N-25-0000-0003-0240`

Property Details

APN / Parcel Number

Primary APN	`17-2N-25-0000-0003-0240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,186 sqft Gross Area
1st Floor Area	3,186 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Slate
Lot Area	1,259,755 sqft (28.9 acres)

Exterior Amenities

Porch	Finished/Open Porch
Patio Area	578 sqft
Shed	1 Shed
Shed Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45140 MUSSLEWHITE RD
City	CALLAHAN
State	FL
Zip	32011-3513
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	OR
Legal Description	PT SEC 17-2S-25E IN OR 2301/1256 & OR 2687/643 ESMT IN OR 2301/1259
Legal Range	25E
Legal Township	02N
Legal Section	17
Legal Block	240
Legal Lot Number	3
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	1
Census Block	1022
Census Tract	50507

Owner

Source: Nassau County records · APN 17-2N-25-0000-0003-0240

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	1 RAYONIER WAY, YULEE, FL 32097-0002
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Aug 04, 2025	Deed of Trust, Mortgage · Line of Credit AMERIS BANK
Jan 02, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 19, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Aug 19, 2020	Loan Modification, Mortgage FIRST FED'L SVGS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45140 MUSSLEWHITE RD, CALLAHAN, FL 32011-3513
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028060453
Date	Aug 04, 2025
Book Page	2806/453
Instrument	202545023362

Lender

Name	AMERIS BANK
Type	Bank
Address	ATLANTA, GA 30305

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jul 17, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jan 02, 2024
Property Address	45140 MUSSLEWHITE RD, CALLAHAN, FL 32011-3513
Document Number	0026870643
Book / Page	2687 / 643
Instrument Date	Dec 28, 2023
Instrument	202445000011
Transaction Type	Transfer
Record Updated	Jan 27, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45130 MUSSLEWHITE RD, CALLAHAN, FL 32011-3513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45130 MUSSLEWHITE RD, CALLAHAN, FL 32011-3513

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45140 MUSSLEWHITE RD, CALLAHAN, FL 32011-3513
Transaction Type	Mortgage
Record Updated	May 09, 2022
Title Company	FREEHOLD TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023261012
Date	Dec 19, 2019
Book Page	2326/1012
Instrument	201945040157

Lender

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

Agreement

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

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	45140 MUSSLEWHITE RD, CALLAHAN, FL 32011-3513
Document Number	0023851134
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Dec 07, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45140 MUSSELWHITE RD CALLAHAN FL 320113513, CALLAHAN, FL 32011-3513

Mortgage

Document Number	0023851134
Date	Aug 20, 2020
Book Page	002385/001134
Instrument	45026079

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Nassau County records · Assessment roll updated November 26, 2025 · Last verified April 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	$3,836.00 (-14.34%)	$290,229 (-11.1%)	$878,920 (+9.91%) Land $472,690 Building $406,230
2024	$4,478.00 (+23.19%) Homeowner's exemption	$326,452 (+21.96%) Land $88,531 Building $237,921	$799,654 (+106.55%)
2023	$3,635.00 (+10.32%) Homeowner's exemption	$267,675 (+3%)	$387,155 (+15.22%) Land $115,200 Building $271,955
2022	$3,295.00 Homeowner's exemption	$259,879	$336,015 Land $129,600 Building $206,415

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
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	Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.3% 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

Based on FCC filings for 4 locations within half a mile of this property.

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