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Sold

Sold·Closed May 28, 2025·45 days on market

132 Nortons Fish Camp Road

Satsuma, FL 32189

$550,000sold priceListed at $649,900 · 84.6% of asking$339/sqftMLS# 2070249
3
Beds
2
Baths
1,624
Sq Ft
1969
Built
2
Garage
No
Pool
No HOA0.65 acresWaterfrontSingle Family Residence1 story

About this home

Satsuma

Discover the perfect blend of comfort and waterfront living with this 3-bedroom, 2-bathroom block home located on the St. Johns River. New A/C, new Roof, New boat house. This home offers breathtaking water views and direct river access, making it a dream for boating and nature enthusiasts, secluded neighborhood.Don't miss this rare opportunity to own a slice of paradise! Schedule a showing today.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,046
Estimated total, before insurance$3,046/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,359/yr · $697/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$550,000
$110,000
Loan Term
Monthly Payment
$3,046
Principal & Interest: $3,046
Insurance (est.): $367
Estimated Total Monthly
$3,413
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 1969)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,718 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $8,359/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $185/sq ft; this home is listed at $400/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
106 Acosta Creek Drive, Satsuma, FL 32189Listed by REAL BROKER LLCJun 2026$225,000$1813/21,2432460.5
102 Acosta Creek Drive, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCJun 2026$315,000$1853/21,7051540.6
325 Saratoga Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJun 2026$600,000$5002/21,20001.2
102 Alder Lane, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCAug 2026$265,000$1553/21,715101.3
123 Viceroy Drive, Satsuma, FL 32189Listed by LPT REALTY LLCApr 2025$180,000$1483/21,216171.4
164 Moonlite Drive, Welaka, FL 32193Listed by IHEART REALTY INCAug 2026$433,000$2203/21,9683361.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$649,900
Price / Sq Ft$400
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,624
Total Structure Area3,384 sq ft
Acres0.65 acres
Year Built1969
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesSouthwest

School Information

ElementaryBrowning Pearce
MiddleJenkins
HighCrescent City

Community Information

Address132 Nortons Fish Camp Road, Satsuma, FL 32189
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionWelaka Groves
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size28,314 sq ft
Parcel Number281126922000000011
ZoningAgricultural

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Available, Water Connected
SewerPrivate Sewer
Water SourcePrivate
ParkingGarage, Garage Door Opener, Off Street
ViewRiver
Waterfront TypeRiver Access, River Front

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Sink, Washer Hookup

Exterior

Exterior FeaturesBoat Lift, Dock
Lot DescriptionAgricultural, Dead End Street, Easement Access
Patio / PorchCovered, Rear Porch, Screened
RoofMetal
ConstructionBlock, Stucco
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCounty Road, Easement

Additional Information

Date ListedMarch 5, 2025
Days on Market45
Tax Amount$8,358.8
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IHEART REALTY INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 28, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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