54262 Spring Lake Dr, Callahan, FL 32011 Property Records

Nassau County property record for 54262 Spring Lake Dr, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,109 sqft · built 2000
Lot Size	1.11 acres (48,702 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Dec 2025)
Tax Bill	$5,527 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Jan 2024 Second Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`46-2N-25-197A-0001-0010`

Property Details

APN / Parcel Number

Primary APN	`46-2N-25-197A-0001-0010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,109 sqft Heated Area
Gross Area	3,087 sqft
1st Floor Area	2,109 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,702 sqft (1.11 acres)
Garage Area	600 sqft
Porch	Open Porch
Porch Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	54262 SPRING LAKE DR
City	CALLAHAN
State	FL
Zip	32011-8574
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	BLOCK 1 LOT 1 SPRING LAKE EST #1 PB 5/183
Legal Range	25E
Legal Township	02N
Legal Section	46
Legal Subdivision	SPRING LAKE EST #1
Legal Block	1
Legal Lot Number	1
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2009
Census Tract	50506

Owner

54262 Spring Lake Dr is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
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
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit 121 FINANCIAL CU
Jan 2, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FL A CRE
Mar 27, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Dec 30, 2025	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Jul 18, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Mar 16, 2021	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Sep 22, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Feb 23, 2017	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Jul 18, 2023 · Amount on File
Deed Document Number	202545038835
Deed Book / Page	2838 / 624
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0025851847
Date	Aug 23, 2022
Book Page	2585/1847
Instrument	202245029310

Lender

Name	121 FINANCIAL CU
Type	Credit Union
Address	JACKSONVILLE, FL 32203

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 22, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0026871001
Date	Jan 2, 2024
Book Page	2687/1001
Instrument	202445000102

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FL A CRE
Address	637 N LEE ST, JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 28, 2038

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0027770622
Date	Mar 27, 2025
Book Page	2777/622
Instrument	202545008872

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 24, 2040

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Dec 30, 2025
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Document Number	0028380624
Book / Page	2838 / 624
Map Reference	MB 5 PG 183
Instrument Date	Dec 23, 2025
Instrument	202545038835
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	ATLANTIC EAST TITLE, ATLANTIC COAST T&E

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	81 NORTHSIDE DR N, CALLAHAN, FL 32011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0002838626
Date	Dec 30, 2025
Instrument	2838/626

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Jul 18, 2023
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Document Number	0026540902
Book / Page	2654 / 902
Map Reference	MB 5 PG 183&184
Instrument Date	Jun 29, 2023
Instrument	202345021492
Transaction Type	Transfer
Record Updated	Aug 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	74466 MILLS PRESERVE CIR CIRB 11, 11, YULEE, FL 32097-0131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0002654904
Date	Jul 18, 2023
Instrument	2654/904

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Mar 16, 2021
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Document Number	0024430253
Book / Page	2443 / 253
Map Reference	MB 5 PG 183&184
Instrument Date	Mar 3, 2021
Instrument	202145009338
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1722 BENT PINE CT, 1722, FLEMING ISLAND, FL 32003-8215

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0002443255
Date	Mar 16, 2021
Instrument	2443/255

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Document Number	0021491738
Book / Page	002149 / 001738
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54262 SPRING LAKE DR CALLAHAN FL 320118574, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0021491738
Date	Oct 4, 2017
Book Page	002149/001738
Instrument	29026

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 23, 2017
Property Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574
Document Number	0021021549
Book / Page	2102 / 1549
Map Reference	MB5 PG183&184
Instrument Date	Feb 21, 2017
Instrument	201705537
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	GIBRALTAR TITLE SERVICES

Transaction

Amount	Amount 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 994, CALLAHAN, FL 32011-0994

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54262 SPRING LAKE DR, CALLAHAN, FL 32011-8574

Mortgage

Document Number	0021021551
Date	Feb 23, 2017
Instrument	2102/1551

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 54262 Spring Lake Dr was $5,527 with exemptions applied, up 1.3% from the year before.

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	$5,527.00 (+1.3%) Homeowner's exemption Disabled Person's exemption	$405,425 (+2.9%)	$409,324 (+3.89%) Land $55,000 Building $354,324
2024	$5,456.00 (+71.95%) Homeowner's exemption Disabled Person's exemption	$393,999 (+61.68%) Land $55,000 Building $338,999	$393,999 (+19.43%) Land $55,000 Building $338,999
2023	$3,173.00 (+10.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$243,698 (+3%)	$329,913 (+35.26%) Land $50,000 Building $279,913
2022	$2,869.00 Homeowner's exemption	$236,600	$243,915 Land $50,000 Building $193,915

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 54262 Spring Lake Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2012.

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 File median of 44 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	2 (2012–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma

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 54262 Spring Lake Dr is moderate, ranking above 56% 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 56% of the US · lower than 72% of Florida
Wildfire Likelihood	0.1% 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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