Nassau County property record for 45209 Oak Trl, Callahan, FL 32011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,849 sqft · built 1993 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Apr 2020) |
| Tax Bill | $3,194 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-2N-25-0000-0005-0020 |
| Primary APN | 30-2N-25-0000-0005-0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,849 sqft Living Area |
| Gross Area | 2,345 sqft |
| 1st Floor Area | 1,849 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 56,628 sqft (1.3 acres) |
| Garage Type | Attached |
| Garage Area | 496 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 272 sqft |
| Patio Area | 224 sqft |
| Pole Barn | 2,400 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 45209 OAK TRL |
|---|---|
| City | CALLAHAN |
| State | FL |
| Zip | 32011-3743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | PT OF NE1/4 IN OR 2356/1468 |
| Legal Range | 25E |
| Legal Township | 02N |
| Legal Section | 30 |
| Legal Block | 20 |
| Legal Lot Number | 5 |
| Jurisdiction | NASSAU FL |
| Township / Civil Division | CALLAHAN-HILLIARD |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 50507 |
Source: Nassau County records, as of August 3, 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 | 45209 OAK TRL, CALLAHAN, FL 32011-3743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Construction Mortgage SOUTHEASTERN BANK |
| Apr 27, 2020 | Warranty Deed, Transfer · Conventional with PMI JO A SWAFFORD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2020 · Amount on Record |
| Deed Sale | Apr 27, 2020 · Amount on Record |
| Deed Document Number | 202045012627 |
| Deed Book / Page | 2356 / 1468 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Jul 10, 2026 |
| Property Address | 45209 OAK TRL, CALLAHAN, FL 32011-3743 |
| Document Number | 0000020923 |
| Book / Page | 2880 / 1853 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202620923 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 45209 OAK TRL, CALLAHAN, FL 32011-3743 |
| Document Number | 0000020923, |
|---|---|
| Date | Jul 10, 2026 |
| Book Page | 2880/1853 |
| Instrument | 202620923 |
| Name | SOUTHEASTERN BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 2, 2027 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NASSAU FL |
| Recording Date | Apr 27, 2020 |
| Property Address | 45209 OAK TRL, CALLAHAN, FL 32011-3743 |
| Document Number | 0023561468 |
| Book / Page | 002356 / 001468 |
| Instrument Date | Apr 22, 2020 |
| Instrument | 45012627 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2020 |
| Title Company | GUARDIAN TITLE AND TRUST INC, GUARDIAN TITLE & TR INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45209 OAK TRL CALLAHAN FL 320113743, CALLAHAN, FL 32011-3743 |
| Document Number | 23561469 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | 002356/001469 |
| Instrument | 45012628 |
| Name | JO A SWAFFORD |
|---|---|
| Address | 45384 GREEN AVE, CALLAHAN, FL 32011-3711 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Apr 26, 2022 |
| Rate | 4% |
|---|
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 | $3,194.00 (+0.63%) Homeowner's exemption | $255,651 (+2.9%) | $308,524 (+7.11%) Land $58,500 Building $250,024 |
| 2024 | $3,174.00 (+0.95%) Homeowner's exemption | $248,446 (+3%) | $288,036 (+2.69%) Land $45,500 Building $242,536 |
| 2023 | $3,144.00 (+32.38%) Homeowner's exemption | $241,210 (+20.66%) | $280,497 (+40.31%) Land $45,500 Building $234,997 |
| 2022 | $2,375.00 Homeowner's exemption | $199,914 Land $45,500 Building $154,414 | $199,914 Land $45,500 Building $154,414 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 59% of the US · lower than 67% 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 |
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