Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$649,999

43457 RATLIFF Road, Callahan, FL 32011, Callahan, FL 32011

Ratliff

Price
$649,999
Beds / Baths
5 / 4
Living area
2,697 sqft
Year built
1977
Type
Residential
Lot
5 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
Nassau
Days on market
15
Elementary
Callahan
Middle
Callahan
High school
West Nassau

*****OPEN HOUSE 8/22-8/23 FROM 12PM-2PM ***** ONE-OF-A-KIND all-brick home on 5 acres of high-and-dry property with OR zoning and NO HOA or CDD fees! The main home offers 3 bedrooms, 2 baths, a climate-controlled Florida room, 2-car garage, fireplace, fresh paint, and updated kitchen and baths. A renovated detached 2-bedroom, 1.5-bath mother-in-law suite features a full kitchen, family room, perfect for guests, extended family, or additional living space. Enjoy an in-ground pool, approximately ½-acre spring-fed pond connected to an artesian well with fountain for water circulation, plus a covered 2-car parking area This property offers privacy, versatility, and endless possibilities. Roofs replaced in 2020. A truly rare opportunity! New Hvac system, septic pump replaced a year ago

What to check on this one

  • Verify roof replacement documentation from 2020 and get roofer name/warranty details.
  • Confirm septic pump service records; request full system inspection report.
  • Obtain flood zone designation from FEMA and Nassau County—verify elevation if AE/VE.
  • Review well/artesian system permits and latest water quality test results.
  • Confirm HVAC replacement date/warranty and get service history for both structures.
  • Verify in-law suite is permitted accessory dwelling; check Nassau County zoning compliance.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$3,373/mo
Property tax (1.1% eff., Nassau Co.)$596/mo
Homeowners insurance (est.)$379/mo
All-in monthly (est.)$4,348/mo

Loan $519,999 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of PARADIGM VISION GROUP. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 4:04 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.