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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold·Closed Oct 17, 2025·47 days on market

226 Clearwater Road

Satsuma, FL 32189

$128,000sold priceListed at $189,900 · 67.4% of asking$82/sqftMLS# 2102918
3
Beds
2
Baths
1,568
Sq Ft
1986
Built
—
Garage
No
Pool
No HOA12,632 sqft lotWaterfrontManufactured Home1 story

About this home

Satsuma

Bring your vision to this 3-bedroom, 2-bath manufactured home located on a canal with direct access to Dunn's Creek and the St. Johns River. The spacious layout offers wide hallways, an indoor laundry room, and a bright, sunny kitchen. Outside, mature landscaping provides a lush backdrop, and there's an existing dock structure in need of repair—ready for someone to restore and enjoy. With a little love this could be your dream retreat! More pictures coming.

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$709
Estimated total, before insurance$709/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$745/yr · $62/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

$128,000
$25,600
Loan Term
Monthly Payment
$709
Principal & Interest: $709
Insurance (est.): $85
Estimated Total Monthly
$794
*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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $745/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

  • Aug 8, 2025Listed$189,900

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 $183/sq ft; this home is listed at $121/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
120 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCAug 2026$285,000$1763/21,6201200.1
124 Fisherman Road, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCJul 2026$292,000$2532/21,15220.1
117 Fisherman Road, Satsuma, FL 32189Listed by CENTURY 21 TRITON REALTYJun 2026$308,000$1834/21,68000.1
100 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJul 2026$200,000$1483/21,3522090.2
114 Palmetto Road, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCSep 2026$186,000$1533/21,21620.3
116 Waterside Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER PREMIER PROPERTIESJul 2026$250,000$2203/21,1341720.3

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$189,900
Price / Sq Ft$121
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,568
Acres0.29 acres
Year Built1986
TypeResidential
Sub-TypeManufactured Home
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address226 Clearwater Road, Satsuma, FL 32189
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionSt Johns Riverside Ests M
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size12,632.4 sq ft
Parcel Number371127825400100700
ZoningResidential

Amenities

UtilitiesSewer Connected
SewerPublic Sewer
Water SourceWell
ParkingOther, Off Street, On Street
ViewCanal
Waterfront TypeCanal Front

Interior

Interior FeaturesKitchen Island
AppliancesElectric Cooktop, Electric Range
HeatingCentral
CoolingCentral Air
FlooringLaminate
FireplaceYes
# of Fireplaces1
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedAugust 8, 2025
Days on Market47
Tax Amount$744.6
Tax Year2024
Listing TermsCash, Conventional
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 Oct 17, 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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