54748 Spring Lake Dr, Callahan, FL 32011 Property Records

Nassau County property record for 54748 Spring Lake Dr, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,376 sqft · built 2004
Lot Size	1.13 acres (49,585 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Feb 2014)
Tax Bill	$1,472 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Dec 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-2N-25-197D-0015-0020`

Property Details

APN / Parcel Number

Primary APN	`46-2N-25-197D-0015-0020`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,376 sqft Heated Area
Gross Area	3,116 sqft
1st Floor Area	1,256 sqft
Upper Floors Area	1,120 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	49,585 sqft (1.13 acres)
Garage Area	600 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	54748 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 2 IN OR 1901/1057 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	2
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2012
Census Tract	50506

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	2 Individual Names on Record
Mailing Address	54748 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Dec 20, 2018	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Nov 12, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Aug 21, 2020	Warranty Deed, Subdivision Related Transfer BENNETT'S PROP HLDGS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2014 · Amount on Record
Deed Sale	Feb 7, 2014 · Amount on Record
Prior Sale	Mar 8, 2004 · Amount on Record
Deed Document Number	201403332
Deed Book / Page	1901 / 1057
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54748 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54748 SPRING LAKE DR, CALLAHAN, FL 32011-8567

Mortgage

Document Number	0026500971
Date	Jun 28, 2023
Book Page	2650/971
Instrument	202345019463

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 26, 2043

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54748 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022441480
Date	Dec 20, 2018
Book Page	2244/1480
Instrument	201845039189

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54748 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023171605
Date	Nov 12, 2019
Book Page	2317/1605
Instrument	201945035948

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 21, 2020
Property Address	54748 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Document Number	0023851569
Book / Page	002385 / 001569
Instrument Date	Aug 20, 2020
Instrument	45026213
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54748 SPRING LAKE DR CALLAHAN FL 320118567, CALLAHAN, FL 32011-8567

Mortgage

Document Number	23851572
Date	Aug 21, 2020
Book Page	002385/001572
Instrument	45026214

Lender

Name	BENNETT'S PROP HLDGS LLC
Address	PO BOX 8918, JACKSONVILLE, FL 32239-0918

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 20, 2025

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	$1,472.00 (+1.94%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$141,295 (+2.9%)	$404,014 (+25.98%) Land $55,000 Building $349,014
2024	$1,444.00 (+2.34%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$137,313 (+3%)	$320,697 (+4.68%) Land $55,000 Building $265,697
2023	$1,411.00 (+12.25%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$133,314 (+3%)	$306,355 (+27%) Land $50,000 Building $256,355
2022	$1,257.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$129,431	$241,226 Land $50,000 Building $191,226

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 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

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 49 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 and 4G LTE (outdoors only)

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