45578 Ingleham Cir, Callahan, FL 32011 Property Records

Nassau County property record for 45578 Ingleham Cir, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,856 sqft · built 2015
Lot Size	0.222 acres (9,656 sqft)
Owner	2 Individual Names on File
Last Sale	$153,910 (Jan 2016)
Tax Bill	$1,799 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`51-2N-25-015A-0061-0000`

Property Details

APN / Parcel Number

Primary APN	`51-2N-25-015A-0061-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,856 sqft Living Area
Gross Area	2,276 sqft
1st Floor Area	1,856 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,656 sqft (0.222 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Finished/Open Porch
Porch Area	20 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45578 INGLEHAM CIR
City	CALLAHAN
State	FL
Zip	32011-3795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	LOT 61 IN OR 2023/1643 AMHURST OAKS PB 7/180
Legal Range	25E
Legal Township	02N
Legal Section	51
Legal Subdivision	AMHURST OAKS
Legal Lot Number	61
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	1
Census Block	1010
Census Tract	50509

Owner

45578 Ingleham Cir is owned and occupied by two individuals who bought it in January 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · VA Mortgage DYNAGEN LENDING LLC
Sep 12, 2022	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Jul 1, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 8, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
May 17, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2016 · Amount on File
Deed Sale	Jan 19, 2016 · Amount on File
Prior Sale	Aug 11, 2015 · Amount on File
Deed Document Number	20161371
Deed Book / Page	2023 / 1643
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795

Mortgage

Document Number	0028531575
Date	Mar 13, 2026
Book Page	2853/1575
Instrument	202645007664

Lender

Name	DYNAGEN LENDING LLC
Type	Mortgage Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795

Mortgage

Document Number	0025891879
Date	Sep 12, 2022
Book Page	2589/1879
Instrument	202245031425

Lender

Name	CLEARPATH LENDING
Type	Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795

Mortgage

Document Number	0024751727
Date	Jul 1, 2021
Book Page	2475/1727
Instrument	202145024749

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795
Document Number	0023371901
Instrument Date	Jan 8, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45578 INGLEHAM CIR CALLAHAN FL 320113795, CALLAHAN, FL 32011-3795

Mortgage

Document Number	0023371901
Date	Feb 7, 2020
Book Page	002337/001901
Instrument	45004309

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 6, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	NASSAU FL
Property Address	45578 INGLEHAM CIR, CALLAHAN, FL 32011-3795
Document Number	0022160527
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45578 INGLEHAM CIR CALLAHAN FL 320113795, CALLAHAN, FL 32011-3795

Mortgage

Document Number	0022160527
Date	Aug 6, 2018
Book Page	002216/000527
Instrument	24512

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 45578 Ingleham Cir was $1,799 with a homeowner's exemption, up 0.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,799.00 (+0.9%) Homeowner's exemption	$161,442 (+2.9%)	$285,434 (+3.86%) Land $40,000 Building $245,434
2024	$1,783.00 (+1.48%) Homeowner's exemption	$156,892 (+3%)	$274,838 (+3.79%) Land $40,000 Building $234,838
2023	$1,757.00 (+14.84%) Homeowner's exemption	$152,322 (+6.27%)	$264,806 (+19.25%) Land $40,000 Building $224,806
2022	$1,530.00 Homeowner's exemption	$143,330	$222,062 Land $40,000 Building $182,062

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

Flood

FEMA maps place 45578 Ingleham Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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	4 (2016–2022)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Apr 2022 · rainfall accumulation

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 45578 Ingleham Cir is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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