45496 Musslewhite Rd, Callahan, FL 32011 Property Records

Nassau County property record for 45496 Musslewhite Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,323 sqft · built 2024
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Dec 2020)
Tax Bill	$11,683 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-2N-25-0211-0003-0000`

Property Details

APN / Parcel Number

Primary APN	`04-2N-25-0211-0003-0000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,323 sqft Living Area
Gross Area	4,187 sqft
1st Floor Area	3,323 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Attached
Garage Area	864 sqft

Exterior Amenities

Pool Area	324 sqft
Porch	Finished/Open Porch
Porch Area	466 sqft
Patio Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45496 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 3 BELLAMY POINT OR 2251/722
Legal Range	25E
Legal Township	02N
Legal Section	04
Legal Subdivision	BELLAMY POINT
Legal Lot Number	3
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	1
Census Block	1000
Census Tract	50507

Owner

45496 Musslewhite Rd is owned by two individuals who bought it in December 2020.

Source: Nassau County records, as of June 5, 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	2 Individual Names on File
Mailing Address	83355 PURPLE MARTIN DR, YULEE, FL 32097-2631
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA
Nov 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK
Dec 22, 2020	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2020 · Amount on File
Deed Sale	Dec 22, 2020 · Amount on File
Deed Document Number	202045041577
Deed Book / Page	2419 / 141
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Recording Date	May 19, 2026
Property Address	45496 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Document Number	0028691316
Book / Page	2869 / 1316
Instrument Date	May 12, 2026
Instrument	202615219
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45496 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561

Mortgage

Document Number	0000015219,
Date	May 19, 2026
Book Page	2869/1316
Instrument	202615219

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 12, 2056

Interest

Rate	6.3%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45496 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83355 PURPLE MARTIN DR, YULEE, FL 32097-2631

Mortgage

Document Number	0026011246
Date	Nov 9, 2022
Book Page	2601/1246
Instrument	202245037478

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	JACKSONVILLE, FL 32246

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Nov 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 22, 2020
Property Address	45496 MUSSLEWHITE RD, CALLAHAN, FL 32011-3561
Document Number	0024190141
Book / Page	2419 / 141
Map Reference	MB 2251 PG 722
Instrument Date	Dec 21, 2020
Instrument	202045041577
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	SHEFFIELD & BOATRIGHT TTL SV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 8918, JACKSONVILLE, FL 32239-0918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	83355 PURPLE MARTIN DR, YULEE, FL 32097-2631

Mortgage

Document Number	0002419143
Date	Dec 22, 2020
Instrument	2419/143

Lender

Name	VYSTAR CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 45496 Musslewhite Rd was $11,683, up 1,174% from the year before.

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	$11,683.00 (+1,174.05%)	$761,064 (+1,194.33%) Land $63,000 Building $698,064	$761,064 (+1,194.33%) Land $63,000 Building $698,064
2024	$917.00 (+5.65%)	$58,800 (+5%) Land $58,800	$58,800 (+5%) Land $58,800
2023	$868.00 (+12.58%)	$56,000 (-) Land $56,000	$56,000 (-) Land $56,000
2022	$771.00	$56,000 Land $56,000	$56,000 Land $56,000

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

Flood

FEMA maps place 45496 Musslewhite Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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

Wildfire risk around 45496 Musslewhite Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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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