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Sold

Sold·Closed Sep 21, 2026·313 days on market

520 Hickory Nut Trail

Satsuma, FL 32189

$185,000sold priceListed at $189,700 · 97.5% of asking$173/sqftMLS# 2091364
3
Beds
2
Baths
1,067
Sq Ft
2025
Built
—
Garage
No
Pool
FEMA Zone ANo HOA10,019 sqft lotManufactured Home1 storyNew construction

About this home

Satsuma

Welcome to the perfect starter home! This stunning, brand-new residence is designed for easy living and perfectly situated in a convenient location. Enjoy total peace of mind with completely new construction, including a new septic system, and benefit from the exceptional performance of an ENERGY STAR-rated home featuring upgraded windows and insulation. The interior is bright and modern, showcasing stylish touches like upgraded faucets, bath fixtures, and cabinets. Large windows flood the space with natural light, creating a true haven. Best of all, this home is completely move-in ready and includes a brand-new washer and dryer, so you can start making memories right away! Plus, enjoy the added perks of no CDD or HOA fees and a private setting with no adjacent neighbors, providing unparalleled peace and quiet. SELLER WILL PAY BUYER'S CLOSING COSTS WITH ACCEPTABLE OFFER!!!!!!!!

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$1,025
Estimated total, before insurance$1,025/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

$185,000
$37,000
Loan Term
Monthly Payment
$1,025
Principal & Interest: $1,025
Insurance (est.): $123
Estimated Total Monthly
$1,148
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,452 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

As of July 2026, 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): $48/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

  • Sep 25, 2026Closed$189,700
  • Aug 7, 2026Pending$189,700
  • May 30, 2026Listed$189,700

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 $172/sq ft; this home is listed at $178/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
104 Tangerine Trail, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCAug 2026$95,000$793/21,2001170.2
204 Rabbit Track Road, Satsuma, FL 32189Listed by NORTH FLORIDA REAL ESTATE PARTNERS INCJul 2026$214,120$1723/21,248860.3
102 Dalton Court, Satsuma, FL 32189Listed by MODERN REALTY OF FLORIDASep 2026$175,000$1923/2912490.4
713 Hickory Nut Trail, Satsuma, FL 32189Listed by IHEART REALTY INCSep 2025$200,000$1743/21,15280.4
121 Possum Walk Road, Satsuma, FL 32189Listed by IHEART REALTY INCMay 2025$144,900$1652/288030.5
155 Rabbit Track Road, Satsuma, FL 32189Listed by MAXREV, LLCSep 2026$122,000$1223/21,0001340.6

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$189,700
Price / Sq Ft$178
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,067
Acres0.23 acres
Year Built2025
TypeResidential
Sub-TypeManufactured Home
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address520 Hickory Nut Trail, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionSt Johns Riverside Ests M
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size10,018.8 sq ft
Parcel Number111126824300800030

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne

Exterior

RoofShingle
ConstructionVinyl Siding
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedMay 30, 2026
Days on Market313
Tax Amount$48.24
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LANTERN REALTY, LLC.

Sold by: LANTERN REALTY, LLC. (buyer's brokerage)

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 Sep 21, 2026. 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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