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Sold

Sold·Closed May 21, 2025·13 days on market

792 Ridgeline Road

Satsuma, FL 32189

$424,900sold priceListed at $424,900 · 100% of asking$281/sqftMLS# 2081813
2
Beds
2
Baths
1,510
Sq Ft
1992
Built
—
Garage
No
Pool
No HOA6.54 acresWaterfrontSingle Family Residence1 story

About this home

Satsuma

Escape to the Peaceful Charm of Old Florida! This 2-bedroom, 2-bath home sits on 6.5 serene acres and offers the perfect retreat from the hustle and bustle of city life. With 1,510 sq ft of living space, this home blends comfort with nature in true laid-back Florida style. Spend your days fishing in a beautifully clear, brim-stocked pond, or watch deer wander by from the comfort of your backyard. Love being on the water? Step out to your private dock with a boat lift and head straight onto Dunn's Creek just a scenic ride to Crescent Lake to the east and the St. Johns River to the west. Inside, you'll find a spacious living room with a cozy fireplace, ideal for quiet evenings. The primary suite includes a large bathroom with a separate tub and shower, plus his and her closets for ample storage. The home is topped with a durable metal roof and includes a dedicated laundry room for convenience.

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$2,354
Estimated total, before insurance$2,354/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$424,900
$84,980
Loan Term
Monthly Payment
$2,354
Principal & Interest: $2,354
Insurance (est.): $283
Estimated Total Monthly
$2,637
*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 1992)

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

Solar potential: ~1,252 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $262/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.

History

Price & status history

  • Apr 15, 2025Listed$424,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $186/sq ft; this home is listed at $281/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
161 Smith Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCAug 2026$100,000$722/21,3801100.2
695 Carlin Road, Satsuma, FL 32189Listed by MAXREV, LLCJan 2026$225,000$1553/21,456140.3
112 Fran Lane, Satsuma, FL 32189Listed by MAXREV, LLCApr 2025$230,000$2152/11,072280.3
115 Cleo Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJul 2026$219,900$1684/21,30840.6
117 Jill Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCSep 2026$263,000$2172/21,2101810.7
321 Paradise Circle, Satsuma, FL 32189Listed by RIVER LIFE REALTY LLCJun 2026$301,200$1863/21,6161411

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$424,900
Price / Sq Ft$281
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,510
Acres6.54 acres
Year Built1992
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontYes

Community Information

Address792 Ridgeline Road, Satsuma, FL 32189
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionMetes & Bounds
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size284,882.4 sq ft
Parcel Number381127000000205290

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCarport
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook
AppliancesElectric Oven, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock
Patio / PorchFront Porch, Porch, Rear Porch, Screened
RoofMetal
ConstructionFrame, Wood Siding
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedApril 15, 2025
Days on Market13
Tax Amount$262
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 21, 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.

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