45480 Musslewhite Rd, Callahan, FL 32011 Property Records

Nassau County property record for 45480 Musslewhite Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,551 sqft · built 2021
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on File
Last Sale	$328,000 (Apr 2026)
Tax Bill	$2,644 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-2N-25-0211-0005-0000`

Property Details

APN / Parcel Number

Primary APN	`04-2N-25-0211-0005-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,551 sqft Living Area
1st Floor Area	1,551 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	48,352 sqft (1.11 acres)
Garage Area	300 sqft
Porch	Finished/Open Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45480 MUSSLEWHITE RD
City	CALLAHAN
State	FL
Zip	32011-3561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	LOT 5 BELLAMY POINT OR 2251/722
Legal Range	25E
Legal Township	02N
Legal Section	04
Legal Subdivision	BELLAMY POINT
Legal Lot Number	5
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	1
Census Block	1000
Census Tract	50507

Owner

Source: Nassau County records, as of May 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 17, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Apr 17, 2026	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
May 23, 2023	Quit Claim Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK
Aug 28, 2020	Warranty Deed, Construction Loan · Construction Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2026 · Amount on File
Deed Sale	Apr 17, 2026 · Amount on File
Prior Sale	May 23, 2023 · Amount on File
Deed Document Number	202611486
Deed Book / Page	2861 / 1835
Prior Transfer Date	May 15, 2023
Prior Transfer Doc	0026420510
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Investor	Possibly a Property Investor

Mortgage

Document Number	0027781465
Date	Apr 3, 2025
Book Page	2778/1465
Instrument	202545009576

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2065

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 17, 2026
Property Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Document Number	0000011486
Book / Page	2861 / 1835
Instrument Date	Apr 17, 2026
Instrument	2026.11486
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	PRO TECH TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231,896.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561

Mortgage

Document Number	0000011487,
Date	Apr 17, 2026
Instrument	2026..11487

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Apr 17, 2026
Property Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Document Number	0028611835
Book / Page	2861 / 1835
Instrument Date	Apr 17, 2026
Instrument	202611486
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	TITLE TRUST, PRO TECH TITLE & TRUST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231,896.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561

Mortgage

Document Number	0000011487,
Date	Apr 17, 2026
Instrument	202611487

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	May 23, 2023
Property Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Document Number	0026420510
Book / Page	2642 / 510
Map Reference	MB 2251 PG 722
Instrument Date	May 15, 2023
Instrument	202345015483
Transaction Type	Transfer
Record Updated	Jun 22, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$595.70
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561

Mortgage

Document Number	0002642514
Date	May 23, 2023
Instrument	2642/514

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

August 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 28, 2020
Property Address	45480 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Document Number	0023870870
Book / Page	2387 / 870
Map Reference	MB 2251 PG 722
Instrument Date	Aug 27, 2020
Instrument	202045027039
Transaction Type	Construction Loan
Record Updated	Jan 14, 2022
Title Company	AMELIA TITLE AGENCY INC

Transaction

Amount	Amount on Record
Tax	$331.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	542176 US HIGHWAY 1, 542176, CALLAHAN, FL 32011-8109

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43961 KEEN CEMETERY RD, CALLAHAN, FL 32011-7321

Mortgage

Document Number	0002387871
Date	Aug 28, 2020
Instrument	2387/871

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,644.00 (+1.5%) Homeowner's exemption	$212,587 (+2.9%)	$257,086 (+5.4%) Land $49,950 Building $207,136
2024	$2,605.00 (+0.5%) Homeowner's exemption	$206,596 (+0.84%)	$243,911 (+13.2%) Land $46,620 Building $197,291
2023	$2,592.00 (+23.55%) Homeowner's exemption	$204,869 (+13.62%)	$215,468 (+19.5%) Land $44,400 Building $171,068
2022	$2,098.00 Homeowner's exemption	$180,310 Land $44,400 Building $135,910	$180,310 Land $44,400 Building $135,910

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

Flood

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
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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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