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Sold

Sold·Closed Jun 11, 2026·246 days on market

106 Acosta Creek Drive

Satsuma, FL 32189

$225,000sold priceListed at $235,000 · 95.7% of asking$181/sqftMLS# 2104899
3
Beds
2
Baths
1,243
Sq Ft
1977
Built
1
Garage
No
Pool
No HOA0.52 acresSingle Family Residence1 story

About this home

Satsuma

Welcome to 106 Acosta Creek Drive - a hidden gem in Satsuma where peace, privacy, and outdoor living come together. As you arrive, you're greeted by a serene pond out front that sets the tone for the calm and quiet lifestyle this property offers. The home sits on a spacious lot, giving you the privacy you've been looking for while still being just minutes from everything you need. Step out back and enjoy the large backyard, perfect for relaxing evenings or weekend get-togethers, with a storage shed for your tools and gear. For the outdoor enthusiast, this location is hard to beat - the Welaka boat ramp is only 5 minutes away, making fishing, boating, and riverfront adventures part of everyday life. This home isn't just a place to live - it's a lifestyle. Even better, the big-ticket items are already done for you: a 4-year-old metal roof and 4-year-old A/C unit mean peace of mind for years to come. Well cared for inside and out, this home is move-in ready and truly shows its value.

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$1,246
Estimated total, before insurance$1,246/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$836/yr · $70/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

$225,000
$45,000
Loan Term
Monthly Payment
$1,246
Principal & Interest: $1,246
Insurance (est.): $150
Estimated Total Monthly
$1,396
*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 1977)

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

Solar potential: ~1,306 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:26 AM, sunset 7:01 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $836/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 $221/sq ft; this home is listed at $189/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
100 Happiness Drive, Welaka, FL 32189Listed by VENTURE REALTY CO, LLCJul 2026$379,900$2593/21,467771.2
198 Sportsman Drive, Welaka, FL 32189Listed by IHEART REALTY INCApr 2026$265,000$2112/21,2564291.2
156 Moonlite Drive, Welaka, FL 32193Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYJul 2025$349,900$2212/21,581451.3
325 Saratoga Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJun 2026$600,000$5002/21,20001.7
107 Musket Drive, Satsuma, FL 32189Listed by IHEART REALTY INCJul 2025$149,000$1402/21,0643341.9
123 Viceroy Drive, Satsuma, FL 32189Listed by LPT REALTY LLCApr 2025$180,000$1483/21,216171.9

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$235,000
Price / Sq Ft$189
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,243
Total Structure Area1,888 sq ft
Acres0.52 acres
Year Built1977
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

ElementaryMellon
MiddleCrescent City
HighCrescent City

Community Information

Address106 Acosta Creek Drive, Satsuma, FL 32189
Area582-Pomona Pk/Welaka/Lake Como/Crescent Lake Est
SubdivisionWelaka
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size22,651.2 sq ft
Parcel Number411126000000400650
ZoningResidential

Amenities

Community FeaturesFishing
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

Lot DescriptionWooded
Patio / PorchAwning(s), Covered, Front Porch, Porch, Rear Porch, Screened
FencingFenced, Back Yard, Chain Link
RoofMetal
Other StructuresShed(s)
Road SurfaceGravel
Road FrontageCounty Road

Additional Information

Date ListedApril 30, 2026
Days on Market246
Tax Amount$836.23
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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 Jun 11, 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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