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Sold·Closed Dec 5, 2025·39 days on market
109 Windmill Court
Satsuma, FL 32189
About this home
Satsuma
Discover comfort and versatility in this cozy 3 bedroom, 2 bath home situated on a beautiful one-acre lot. With tile flooring throughout, this home offers easy maintenance and a clean, modern look. The open living space provides a warm, inviting atmosphere, while the converted garage adds extra room, ideal for a home office, gym or playroom. Prefer a garage? It can easily be converted back to suit your needs. The partially wooded property provides both privacy and open space, ideal for animals, gardening, or outdoor activities. A shed with electricity adds extra functionality, whether you need a workshop, hobby space or extra storage. Just off Hwy 17 for easy commute. Come see for yourself, schedule a tour today!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Shingle — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,460 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 homeThis 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): $3,371/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 $178/sq ft; this home is listed at $155/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 355 Hickory Nut Trail, Satsuma, FL 32189Listed by MODERN REALTY OF FLORIDA | Oct 2025 | $100,000 | $60 | 3/2 | 1,680 | 98 | 0.8 |
| 214 Baker Road, Satsuma, FL 32189Listed by MODERN REALTY OF FLORIDA | Jul 2026 | $219,500 | $96 | 4/2 | 2,280 | 67 | 0.9 |
| 409 Rustic Road, Satsuma, FL 32189Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY | Feb 2026 | $249,000 | $187 | 3/2 | 1,329 | 509 | 0.9 |
| 325 Rustic Road, Satsuma, FL 32189Listed by MAXREV, LLC | Feb 2026 | $251,200 | $189 | 3/2 | 1,329 | 248 | 0.9 |
| 323 Rustic Road, Satsuma, FL 32189Listed by MAXREV, LLC | Nov 2025 | $263,000 | $178 | 3/2 | 1,481 | 151 | 0.9 |
| 203 Quail Hollow Road, Satsuma, FL 32189Listed by VENTURE REALTY CO, LLC | Aug 2026 | $61,000 | $42 | 3/2 | 1,440 | 34 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IHEART REALTY INC
Sold by: BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK (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
This home sold on Dec 5, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines