54637 Spring Lake Dr, Callahan, FL 32011 Property Records

Nassau County property record for 54637 Spring Lake Dr, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,884 sqft · built 2003
Lot Size	1.25 acres (54,463 sqft)
Owner	Individual Name on File
Last Sale	$55,800 (Aug 2005)
Tax Bill	$3,292 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-2N-25-197D-0013-0010`

Property Details

APN / Parcel Number

Primary APN	`46-2N-25-197D-0013-0010`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,884 sqft Living Area
Gross Area	4,500 sqft
1st Floor Area	1,712 sqft
Upper Floors Area	2,172 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	54,463 sqft (1.25 acres)
Garage Type	Attached
Garage Area	616 sqft

Exterior Amenities

Pool Area	540 sqft
Porch	Screened/Unfinished Porch
Porch Area	228 sqft
Deck Area	Deck Area
Patio Area	344 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54637 SPRING LAKE DR
City	CALLAHAN
State	FL
Zip	32011-8527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	BLOCK 13 LOT 1 CONSERV ESMT PT OR 929/824 ESMT OR 1746/1059 SPRING LAKE EST 4 REPLAT PB 6/177
Legal Range	25E
Legal Township	02N
Legal Section	46
Legal Subdivision	SPRING LAKE EST 4
Legal Block	13
Legal Lot Number	1
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2017
Census Tract	50506

Owner

54637 Spring Lake Dr is owned and occupied by an individual who acquired it in February 2019.

Source: Nassau County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	54637 SPRING LAKE DR, CALLAHAN, FL 32011-8527
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
Dec 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Feb 19, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 4, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2005 · Amount on File
Deed Sale	Aug 15, 2005 · Amount on File
Prior Sale	Jul 27, 2005 · Amount on File
Deed Document Number	200529605
Deed Book / Page	1341 / 1933
Last Transfer Date	Feb 4, 2019
Transfer Doc	0023370283
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54637 SPRING LAKE DR, CALLAHAN, FL 32011-8527
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54637 SPRING LAKE DR, CALLAHAN, FL 32011-8527

Mortgage

Document Number	0026830088
Date	Dec 7, 2023
Book Page	2683/88
Instrument	202345036426

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2043

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54637 SPRING LAKE DR, CALLAHAN, FL 32011-8527
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024350611
Date	Feb 19, 2021
Book Page	2435/611
Instrument	202145005745

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54637 SPRING LAKE DR, CALLAHAN, FL 32011-8527
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024240965
Date	Jan 12, 2021
Book Page	2424/965
Instrument	202145001028

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	352 Months
Due	May 1, 2050

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NASSAU FL
Recording Date	Feb 4, 2020
Property Address	54637 SPRING LAKE DR, CALLAHAN, FL 32011-8527
Document Number	0023370283
Book / Page	002337 / 000283
Instrument Date	Feb 4, 2019
Instrument	45003880
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54637 SPRING LAKE DR CALLAHAN FL 320118527, CALLAHAN, FL 32011-8527

Tax Assessment & Valuation

The 2025 property tax bill for 54637 Spring Lake Dr was $3,292 with exemptions applied, up 1.5% 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	$3,292.00 (+1.48%) Homeowner's exemption Veteran's exemption	$259,827 (+2.9%)	$621,884 (+3.82%) Land $55,000 Building $566,884
2024	$3,244.00 (+1.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$252,504 (+3%)	$599,015 (+4.47%) Land $55,000 Building $544,015
2023	$3,196.00 (+10.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$245,150 (+3%)	$573,408 (+28.41%) Land $50,000 Building $523,408
2022	$2,891.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$238,010	$446,551 Land $50,000 Building $396,551

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

Flood

FEMA maps place 54637 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 54637 Spring Lake Dr is moderate, ranking above 56% 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 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 55 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 and 4G LTE (outdoors only)

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