54176 Church Rd, Callahan, FL 32011 Property Records

Nassau County property record for 54176 Church Rd, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,675 sqft · built 2019
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$20,000 (Jun 2017)
Tax Bill	$2,711 (2025)
Deeds & Mortgages	Apr 2019 Construction Loan Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-1N-25-2882-0022-0000`

Property Details

APN / Parcel Number

Primary APN	`10-1N-25-2882-0022-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,675 sqft Heated Area
Gross Area	1,876 sqft
1st Floor Area	1,675 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Prefabricated

Exterior

Year Built	Built 2019
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Porch Area	201 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	54176 CHURCH RD
City	CALLAHAN
State	FL
Zip	32011-4860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR
Legal Description	PT TRACT C IN OR 1757/1836 IN OR 2124/520 NASSAU PLANTATIONS S/D UNR {2005 JACOBSON TW/MH}
Legal Range	25E
Legal Township	01N
Legal Section	10
Legal Subdivision	NASSAU PLANTATIONS S/D
Legal Tract	C
Legal Block	5
Legal Lot Number	22 2005
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2002
Census Tract	50505

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	54176 CHURCH RD, CALLAHAN, FL 32011-4860
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2019	Deed of Trust, Mortgage · Construction Mortgage FIRST FEDERAL BANK
Jun 9, 2020	Deed of Trust, Mortgage EMBRACE HM LOANS
Jun 2, 2017	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2017 · Amount on Record
Deed Sale	Jun 2, 2017 · Amount on Record
Deed Document Number	201716446
Deed Book / Page	2124 / 0520
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54176 CHURCH RD, CALLAHAN, FL 32011-4860
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022661355
Date	Apr 8, 2019
Book Page	2266/1355
Instrument	201945010996

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.99%
Max Rate At Change	6.99%
Index	1-Year LIBOR
Max Rate	9.99%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54176 CHURCH RD, CALLAHAN, FL 32011-4860
Document Number	0023680464
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	MAJESTY TITLE SERVICES, MAJESTY TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	F 54176 CHURCH RD CALLAHAN FL 32011, CALLAHAN, FL 32011

Mortgage

Document Number	0023680464
Date	Jun 15, 2020
Book Page	002368/000464
Instrument	45018033

Lender

Name	EMBRACE HM LOANS
Type	Funding / Finance Company
Address	MIDDLETOWN, RI 02842

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jun 2, 2017
Property Address	54176 CHURCH RD, CALLAHAN, FL 32011-4860
Document Number	0021240520
Book / Page	002124 / 000520
Instrument Date	May 23, 2017
Instrument	16446
Transaction Type	Transfer
Record Updated	Jun 8, 2017
Title Company	TITLE AMERICA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44001 PAPA TOM LN CALLAHAN FL 320117682, CALLAHAN, FL 32011-7682

Mortgage

Document Number	21240522
Date	Jun 2, 2017
Book Page	002124/000522
Instrument	16447

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2032

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	$2,711.00 (+1.46%) Homeowner's exemption	$217,006 (+2.9%)	$260,088 (+8.2%) Land $45,000 Building $215,088
2024	$2,672.00 (+1.56%) Homeowner's exemption	$210,890 (+3%)	$240,384 (+4.02%) Land $35,000 Building $205,384
2023	$2,631.00 (+10.73%) Homeowner's exemption	$204,748 (+3%)	$231,104 (+16.26%) Land $35,000 Building $196,104
2022	$2,376.00 Homeowner's exemption	$198,784 Land $35,000 Building $163,784	$198,784 Land $35,000 Building $163,784

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
Flood Insurance Cost	Premium on Record median of 27 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	27 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
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 56% of the US · lower than 72% 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 83 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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