54702 Spring Lake Dr, Callahan, FL 32011 Property Records

Nassau County property record for 54702 Spring Lake Dr, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,594 sqft · built 2002
Lot Size	1.32 acres (57,553 sqft)
Owner	2 Individual Names on File
Last Sale	$323,000 (Nov 2018)
Tax Bill	$3,817 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`46-2N-25-197D-0015-0040`

Property Details

APN / Parcel Number

Primary APN	`46-2N-25-197D-0015-0040`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,594 sqft Living Area
Gross Area	3,070 sqft
1st Floor Area	2,594 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	57,553 sqft (1.32 acres)
Garage Type	Attached
Garage Area	476 sqft

Exterior Amenities

Pool Area	450 sqft
Porch	Unfinished Open Porch
Porch Area	819 sqft
Deck Area	Deck Area
Patio Area	1,436 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54702 SPRING LAKE DR
City	CALLAHAN
State	FL
Zip	32011-8567
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	BLOCK 15 LOT 4 IN OR 2234/1212 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	15
Legal Lot Number	4
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2012
Census Tract	50506

Owner

54702 Spring Lake Dr is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	54702 SPRING LAKE DR, CALLAHAN, FL 32011-8567
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
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Nov 5, 2018	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2018 · Amount on File
Deed Sale	Nov 5, 2018 · Amount on File
Prior Sale	Oct 6, 2003 · Amount on File
Deed Document Number	201845034107
Deed Book / Page	2234 / 1212
Prior Transfer Date	Feb 22, 2011
Prior Transfer Doc	0017261721
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54702 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Document Number	0023671588
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54702 SPRING LAKE DR CALLAHAN FL 320118567, CALLAHAN, FL 32011-8567

Mortgage

Document Number	0023671588
Date	Jun 12, 2020
Book Page	002367/001588
Instrument	45017854

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Nov 5, 2018
Property Address	54702 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Document Number	0022341212
Book / Page	2234 / 1212
Map Reference	MB 6 PG 177-188
Instrument Date	Oct 29, 2018
Instrument	201845034107
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	GIBRALTAR TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,261.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1121, CHURCH HILL, TN 37642-1121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54702 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Investor	Possibly a Property Investor

Mortgage

Document Number	201845034108
Date	Nov 5, 2018
Instrument	201845034108

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 54702 Spring Lake Dr was $3,817 with a homeowner's exemption, up 1.4% 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	$3,817.00 (+1.35%) Homeowner's exemption	$289,015 (+2.9%)	$432,344 (+2.98%) Land $55,000 Building $377,344
2024	$3,766.00 (+3.86%) Homeowner's exemption	$280,870 (+5.16%)	$419,844 (+5.51%) Land $55,000 Building $364,844
2023	$3,626.00 (+10.35%) Homeowner's exemption	$267,089 (+3%)	$397,918 (+27.51%) Land $50,000 Building $347,918
2022	$3,286.00 Homeowner's exemption	$259,310	$312,061 Land $50,000 Building $262,061

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

Flood

FEMA maps place 54702 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 54702 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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