54770 Spring Lake Dr, Callahan, FL 32011 Property Records

Nassau County property record for 54770 Spring Lake Dr, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 5,238 sqft · built 2004
Lot Size	1.15 acres (50,148 sqft)
Owner	Individual Name on Record
Last Sale	$644,500 (Sep 2022)
Tax Bill	$8,876 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`46-2N-25-197D-0015-0010`

Property Details

APN / Parcel Number

Primary APN	`46-2N-25-197D-0015-0010`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,238 sqft Living Area
Gross Area	5,854 sqft
1st Floor Area	3,062 sqft
Upper Floors Area	2,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2008
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	50,148 sqft (1.15 acres)
Garage Type	Attached
Garage Area	616 sqft

Exterior Amenities

Pool Area	800 sqft
Porch	Unfinished Open Porch
Porch Area	858 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	54770 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 1 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	1
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 November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	54770 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 21, 2022	Warranty Deed, Transfer · Conventional Mortgage FIDELITY FUNDING MORTGAGE CORP
Jul 11, 2017	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 19, 2020	Deed of Trust, Mortgage · Line of Credit JAX FCU
Sep 6, 2019	Warranty Deed, Transfer · Conventional Mortgage JAX FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2022 · Amount on Record
Deed Sale	Sep 21, 2022 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	202232572
Deed Book / Page	2592 / 104
Prior Transfer Date	Dec 30, 2005
Prior Transfer Doc	0013810726
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54770 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54770 SPRING LAKE DR, CALLAHAN, FL 32011-8567

Mortgage

Document Number	0026851910
Date	Dec 21, 2023
Book Page	2685/1910
Instrument	202345037910

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Feb 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Sep 21, 2022
Property Address	54770 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Document Number	0025920104
Book / Page	2592 / 104
Map Reference	MB 6 PG 177-188
Instrument Date	Sep 20, 2022
Instrument	202245032572
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,511.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13641 NE 238TH CT, 13641, SALT SPRINGS, FL 32134-6203

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54770 SPRING LAKE DR, CALLAHAN, FL 32011-8567

Mortgage

Document Number	0002592106
Date	Sep 21, 2022
Instrument	2592/106

Lender

Name	FIDELITY FUNDING MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54770 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	0021321206
Date	Jul 11, 2017
Book Page	2132/1206
Instrument	201720657

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54770 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	0023620286
Date	May 19, 2020
Book Page	2362/286
Instrument	202045014879

Lender

Name	JAX FCU
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Sep 6, 2019
Property Address	54770 SPRING LAKE DR, CALLAHAN, FL 32011-8567
Document Number	0023011531
Book / Page	2301 / 1531
Map Reference	MB 6 PG 177-188
Instrument Date	Aug 30, 2019
Instrument	201945028367
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	GUARDIAN TITLE & TRUST INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5686 WOODLAWN CEMETARY RD, 5686, MACCLENNY, FL 32063-4922

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54770 SPRING LAKE DR, CALLAHAN, FL 32011-8567

Mortgage

Document Number	0023011532
Date	Sep 6, 2019
Instrument	2301-1532

Lender

Name	JAX FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

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	$8,876.00 (+1.21%) Homeowner's exemption	$618,542 (+2.9%)	$671,802 (+3.59%) Land $55,000 Building $616,802
2024	$8,770.00 (+6.47%) Homeowner's exemption	$601,110 (+8.12%)	$648,514 (+8.75%) Land $55,000 Building $593,514
2023	$8,237.00 (+49.9%) Homeowner's exemption	$555,961 (+36.9%)	$596,327 (+31.74%) Land $50,000 Building $546,327
2022	$5,495.00 Homeowner's exemption	$406,120	$452,651 Land $50,000 Building $402,651

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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