Nassau County property record for 45140 Oak Trl, Callahan, FL 32011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,565 sqft · built 2018 |
| Lot Size | 2.98 acres (129,809 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,926 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 30-2N-25-0000-0003-0130 |
| Primary APN | 30-2N-25-0000-0003-0130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,565 sqft Living Area |
| Gross Area | 2,190 sqft |
| 1st Floor Area | 1,565 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 129,809 sqft (2.98 acres) |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 272 sqft |
| Deck Area | 190 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45140 OAK TRL |
|---|---|
| City | CALLAHAN |
| State | FL |
| Zip | 32011-3736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | PT OF NE1/4 OF SEC 30-2N-25E IN OR 2153/397 |
| Legal Range | 25E |
| Legal Township | 02N |
| Legal Section | 30 |
| Legal Block | 130 |
| Legal Lot Number | 3 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | CALLAHAN-HILLIARD |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 50507 |
Source: Nassau County records, as of June 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Apr 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA |
| Jul 24, 2020 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Oct 23, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage REGIONS MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2017 |
| Deed Sale | Oct 23, 2017 |
| Deed Document Number | 201730891 |
| Deed Book / Page | 2153 / 397 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Document Number | 0000010678 |
| Book / Page | 2860 / 485 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 2026.10678 |
| Record Updated | May 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010678, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 2860/485 |
| Instrument | 2026.10678 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 8, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 10, 2026 |
| Property Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Document Number | 0028600485 |
| Book / Page | 2860 / 485 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202610678 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Investor | Possibly a Property Investor |
| Document Number | 0000010678, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 2860/485 |
| Instrument | 202610678 |
| Name | COMMUNITY FIRST CREDIT UNION OF FLORIDA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 8, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Property Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE |
| Name | Verified Name |
|---|---|
| Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Document Number | 0023790054 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 2379/54 |
| Instrument | 202045022977 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 13, 2035 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Oct 23, 2017 |
| Property Address | 45140 OAK TRL, CALLAHAN, FL 32011-3736 |
| Document Number | 0021530400 |
| Book / Page | 002153 / 000400 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 30892 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 31, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45220 BOOTH ST CALLAHAN FL 320117926, CALLAHAN, FL 32011-7926 |
| Document Number | 21530400 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 002153/000400 |
| Instrument | 30892 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | BIRMINGHAM, AL 35244 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2047 |
Source: Nassau County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Nassau County |
| Municipality | Callahan Town |
| Unified School District | Nassau County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,926.00 (+0.65%) Homeowner's exemption | $237,553 (+2.9%) | $376,307 (+3.5%) Land $104,300 Building $272,007 |
| 2024 | $2,907.00 (+3.01%) Homeowner's exemption | $230,858 (+4.66%) | $363,590 (+4.32%) Land $104,300 Building $259,290 |
| 2023 | $2,822.00 (+9.08%) Homeowner's exemption | $220,571 (+3%) | $348,524 (+20.42%) Land $104,300 Building $244,224 |
| 2022 | $2,587.00 Homeowner's exemption | $214,147 | $289,426 Land $104,300 Building $185,126 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 25 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 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CALLAHAN WTP serves 1,730 people · EPA ID FL2450146 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
| Windstream DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures