54825 Spring Lake Dr, Callahan, FL 32011 Property Records

Nassau County property record for 54825 Spring Lake Dr, Callahan, FL 32011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,429 sqft · built 2004
Lot Size	1.56 acres (68,259 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Aug 2021)
Tax Bill	$5,209 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`46-2N-25-197D-0013-0260`

Property Details

APN / Parcel Number

Primary APN	`46-2N-25-197D-0013-0260`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,429 sqft Heated Area
Gross Area	3,189 sqft
1st Floor Area	2,429 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	68,259 sqft (1.56 acres)
Garage Area	440 sqft
Porch	Open Porch
Porch Area	320 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	54825 SPRING LAKE DR
City	CALLAHAN
State	FL
Zip	32011-8511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF-1
Legal Description	BLOCK 13 LOT 26 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	26
Jurisdiction	NASSAU FL
Township / Civil Division	CALLAHAN-HILLIARD
Census Block Group	2
Census Block	2017
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	Individual Name on Record
Mailing Address	54825 SPRING LAKE DR, CALLAHAN, FL 32011-8511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORP
Aug 5, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 16, 2020	Deed of Trust, Mortgage · VA Mortgage PERENNIAL FUNDING LLC
Aug 6, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2021 · Amount on Record
Deed Sale	Aug 5, 2021 · Amount on Record
Prior Sale	Aug 6, 2018 · Amount on Record
Deed Document Number	202145029057
Deed Book / Page	2485 / 476
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54825 SPRING LAKE DR, CALLAHAN, FL 32011-8511
Transaction Type	Mortgage
Record Updated	Nov 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54825 SPRING LAKE DR, CALLAHAN, FL 32011-8511

Mortgage

Document Number	0028231266
Date	Oct 20, 2025
Book Page	2823/1266
Instrument	202545031701

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 5, 2021
Property Address	54825 SPRING LAKE DR, CALLAHAN, FL 32011-8511
Document Number	0024850476
Book / Page	2485 / 476
Map Reference	MB 6 PG 177-188
Instrument Date	Jul 27, 2021
Instrument	202145029057
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	SOUTHERN CAPITAL TITLE COMPANY, SOUTHERN CAPITAL TTL CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54825 SPRING LAKE DR, 54825, CALLAHAN, FL 32011-8511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54825 SPRING LAKE DR, CHAUNCEY, GA 31011

Mortgage

Document Number	2485477
Date	Aug 5, 2021
Instrument	2485/477

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASSAU FL
Property Address	54825 SPRING LAKE DR, CALLAHAN, FL 32011-8511
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023321141
Date	Jan 16, 2020
Book Page	2332/1141
Instrument	202045001783

Lender

Name	PERENNIAL FUNDING LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASSAU FL
Recording Date	Aug 6, 2018
Property Address	54825 SPRING LAKE DR, CALLAHAN, FL 32011-8511
Document Number	0022160609
Book / Page	002216 / 000609
Instrument Date	Aug 2, 2018
Instrument	24533
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	MTI TITLE INSURANCE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	54825 SPRING LAKE DR CALLAHAN FL 320118511, CALLAHAN, FL 32011-8511

Mortgage

Document Number	22160611
Date	Aug 6, 2018
Book Page	002216/000611
Instrument	24534

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2048

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	$5,209.00 (+1.28%) Homeowner's exemption	$379,699 (+2.9%)	$390,273 (+3.82%) Land $55,000 Building $335,273
2024	$5,143.00 (+1.22%) Homeowner's exemption	$368,998 (+3%)	$375,921 (+4.93%) Land $55,000 Building $320,921
2023	$5,081.00 (+18.58%) Homeowner's exemption	$358,250 (+25.76%) Land $50,000 Building $308,250	$358,250 (+25.76%) Land $50,000 Building $308,250
2022	$4,285.00	$284,865 Land $50,000 Building $234,865	$284,865 Land $50,000 Building $234,865

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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