540157 Lem Turner Rd, Callahan, FL 32011 Property Records

Nassau County property record for 540157 Lem Turner Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,541 sqft · built 1974
Lot Size	2.55 acres (111,342 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Jul 2021)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2021 Sale & Mortgage + 4 more
Flood Zone	Zone A (high risk)
APN	`37-1N-25-296C-0046-0000`

Property Details

APN / Parcel Number

Primary APN	`37-1N-25-296C-0046-0000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	3,541 sqft Heated Area
Gross Area	5,751 sqft
1st Floor Area	3,277 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2010
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	111,342 sqft (2.55 acres)
Lot Dimensions	350 ft deep x 165 ft wide
Garage Type	Mixed
Garage Area	748 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	682 sqft
Patio Area	932 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	540157 LEM TURNER RD
City	CALLAHAN
State	FL
Zip	32011-8913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM
Legal Description	TRACTS 46 & 47 IN OR 486 PG 74 LEE STONER SHORES #3 UNR ESMT IN OR 2405-1362
Legal Range	25E
Legal Township	01N
Legal Section	37
Legal Subdivision	LEE STONER SHORES #3
Legal Tract	46,47
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	1
Census Block	1002
Census Tract	50505

Owner

540157 Lem Turner Rd is owned and occupied by an individual who bought it in July 2021.

Source: Nassau County records, as of January 26, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913
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
Nov 4, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jul 30, 2021	Warranty Deed, Transfer · VA Mortgage EMBRACE HOME LOANS INC
Jun 3, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Sep 23, 2019	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS
May 1, 2018	Special Warranty Deed, Transfer · VA Mortgage RP FUNDING INC
Jul 10, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	May 1, 2018 · Amount on File
Deed Document Number	0024831198
Deed Book / Page	2483 / 1198
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913
Transaction Type	Mortgage
Record Updated	Dec 4, 2025
Title Company	UNKNOWN, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913

Mortgage

Document Number	0028270141
Date	Nov 4, 2025
Book Page	2827/141
Instrument	202545033464

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 30, 2021
Property Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913
Document Number	0024831198
Book / Page	2483 / 1198
Instrument Date	Jul 30, 2021
Instrument	202145028339
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	TRADEMARK TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3162 SILVERADO CIR, 3162, GREEN COVE SPRINGS, FL 32043-6243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913

Mortgage

Document Number	24831200
Date	Jul 30, 2021
Instrument	2483/1200

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913

Mortgage

Document Number	0024671259
Date	Jun 3, 2021
Book Page	2467/1259
Instrument	202145020810

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913
Document Number	0023080401
Instrument Date	Sep 23, 2019
Transaction Type	Mortgage
Record Updated	Oct 25, 2019
Title Company	BUYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540157 LEM TURNER RD CALLAHAN FL 320118913, CALLAHAN, FL 32011-8913

Mortgage

Document Number	0023080401
Date	Oct 1, 2019
Book Page	002308/000401
Instrument	45031413

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2049

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	May 1, 2018
Property Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913
Document Number	0021930269
Book / Page	2193 / 0269
Instrument Date	Apr 25, 2018
Instrument	201813149
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	BUYERS TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913

Mortgage

Document Number	0201813150
Date	May 1, 2018
Instrument	201813150

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 10, 2017
Property Address	540157 LEM TURNER RD, CALLAHAN, FL 32011-8913
Document Number	0021320479
Book / Page	002132 / 000479
Instrument Date	Jun 29, 2017
Instrument	20461
Transaction Type	Foreclosure
Record Updated	Jul 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Nassau County assessment roll, as of July 1, 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	Disabled Person's exemption Veteran's exemption	$680,031	$694,155 Land $75,000 Building $619,155
2023	Disabled Person's exemption Veteran's exemption	$641,617 Land $67,500 Building $574,117	$641,617 Land $67,500 Building $574,117

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

Flood

FEMA maps place 540157 Lem Turner Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 21, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 36 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	36 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 540157 Lem Turner Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 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

Cell Coverage

5G (outdoors only) and 4G LTE

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