Heritage Villas of Callahan
✓ USDA Section 515/521 property required to accept Section 8 Housing Choice Vouchers
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Callahan rental-market research
Compare Apartments in Callahan, FL
3 communities researched · Public resident-feedback themes, advertised rents and property details · Updated Sep 2026
Callahan, a small Nassau County town about 20 minutes northwest of Jacksonville, has a modest but real apartment market for a town its size. Topaz Oaks is the town's newer market-rate community, while Pine Terrace and Heritage Villas of Callahan provide income-restricted options through LIHTC and USDA Rural Development financing, giving renters a small but genuine mix of choices rather than nothing at all.
As of mid-2026, Topaz Oaks' market-rate 2-3 bedroom units run about $1,545-$1,645/month, while HUD's 2026 Fair Market Rent for the Callahan area is $1,382 for a one-bedroom and $1,658 for a two-bedroom — the benchmark the income-restricted Pine Terrace and Heritage Villas properties use for their subsidized units.
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Quick comparison
| Complex | Neighborhood | Beds | Advertised rents | Built |
|---|---|---|---|---|
| Heritage Villas of Callahan | — | — | — | |
| Pine Terrace Apartments (Phase III) | 1 BR | — | — | |
| Topaz Oaks | 2-3 BR | $1,545-$1,645 | 2020 |
Rents are approximate, from public listings at the research date — confirm with the property.
Other
Pine Terrace Apartments (Phase III)
1 BR
✓ Part of a larger, established Pine Terrace affordable-housing complex (63 units total across phases) rather than a single small building
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Topaz Oaks
2-3 BR · $1,545-$1,645
✓ Newer construction (built 2020) with in-unit washer/dryer and an all-electric kitchen, a step up from older rural apartment stock
✕ Renter feedback online is polarized — reviews split between very positive and very negative experiences, with no clear consensus
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Florida renter essentials
Renters insurance is not optional here. Many Florida leases require it, and standard policies generally do not cover flood damage — that may require separate coverage, even in an apartment. Before signing, look up the building's flood zone on FEMA's flood map service and ask which evacuation zone it sits in.
Ask about the real monthly cost. A recurring theme in public resident feedback is fee stacking: valet trash, common-area electric, mandatory bulk internet, pest control, admin and tech fees. Get the full itemized monthly figure in writing before you apply.
Tour with the AC running and ask about hurricanes. Humidity control is the difference between a fine unit and a moldy one; ask how old the AC is. And ask directly how the building handled the last major storm — communities that performed well say so happily, and reviewers call out the ones that didn't.
How this apartment research is made
How we build these pages: we examine publicly available resident feedback from sources such as Google, ApartmentRatings, Yelp and Reddit, then summarize recurring themes in our own words. We don't copy review text or display third-party star ratings. Paid partner modules are labeled and do not alter the editorial summary. Trade-offs reflect what residents report — experiences vary. Rent ranges come from public listings and change often; always confirm current pricing, fees and policies with the property directly.
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