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Sold

Sold·Closed Jan 15, 2026·91 days on market

113 Palm Street

Satsuma, FL 32189

$239,000sold priceListed at $249,900 · 95.6% of asking$201/sqftMLS# 2104045
2
Beds
1
Baths
1,188
Sq Ft
1969
Built
—
Garage
No
Pool
No HOA14,375 sqft lotWaterfrontSingle Family Residence1 story

About this home

Satsuma

Huge price reduction!! Canal Front Beauty with Access to the St. Johns River! Discover the perfect blend of modern updates and waterfront living in this fully remodeled canal front block home, offering direct access to the mighty St. Johns River. Step inside to find brand-new windows, a new hot water heater, updated electric and plumbing, stylish new fixtures, stainless steel appliances, new flooring, and a crisp coat of paint throughout making this home truly move-in ready. Enjoy the river lifestyle from your own backyard and fish right off your brand-new dock or relax while taking in the tranquil water views. The large double lot provides ample space for outdoor living, gardening, or adding your dream patio or firepit. Ideally located with quick access to the beaches, shopping, dining, and all the charm of historic St. Augustine, this home offers the best of both worlds. Don't miss your chance to own a turnkey waterfront retreat, schedule your 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$1,324
Estimated total, before insurance$1,324/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,148/yr · $262/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

$239,000
$47,800
Loan Term
Monthly Payment
$1,324
Principal & Interest: $1,324
Insurance (est.): $159
Estimated Total Monthly
$1,483
*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: ~1,733 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $3,148/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 15, 2025Listed$249,900

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 $213/sq ft; this home is listed at $210/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
103 Palm Street, Satsuma, FL 32189Listed by IHEART REALTY INCJun 2025$259,000$2302/11,126110
112 Sanjan Drive, Satsuma, FL 32189Listed by IHEART REALTY INCJul 2025$185,000$1693/21,0921700.5
773 San Mateo Road, Satsuma, FL 32189Listed by WATSON REALTY CORPApr 2025$50,000$602/1834180.5
116 Waterside Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER PREMIER PROPERTIESJul 2026$250,000$2203/21,1341720.7
101 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER PREMIER PROPERTIESSep 2026$191,000$2073/2924690.8
108 Indian Mound Road, Satsuma, FL 32189Listed by MOMENTUM REALTYAug 2026$256,000$2133/21,200180.8

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$249,900
Price / Sq Ft$210
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,188
Total Structure Area1,286 sq ft
Acres0.33 acres
Year Built1969
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address113 Palm Street, Satsuma, FL 32189
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionDunns Creek
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size14,374.8 sq ft
Lot Dimensions145'X100'
Parcel Number361026000000700070
ZoningResidential

Amenities

UtilitiesElectricity Connected, Natural Gas Available
SewerSeptic Tank
Water SourcePublic
ParkingOff Street
ViewCanal

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Primary Bathroom - Shower No Tub
AppliancesElectric Cooktop, ENERGY STAR Qualified Refrigerator, Gas Water Heater, Microwave
HeatingElectric, Heat Pump
CoolingCentral Air
FlooringTile, Vinyl
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesDock
Patio / PorchDeck, Patio
RoofMetal
ConstructionBlock, Stucco
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedAugust 15, 2025
Days on Market91
Tax Amount$3,147.77
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 Jan 15, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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