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Active

Active·294 days on market

301 Saratoga Drive

Satsuma, FL 32189

$1,250,000$416/sqftEst. $6,446/moMLS# 2113340

Beds

Baths

3,006

Sq Ft

2008

Built

Garage

Pool

About this home

Satsuma

Experience the perfect blend of waterfront luxury and income potential in this unique Key West Inspired, thoughtfully designed, luxury, custom home. The primary residence boasts 2BD/2BA, and features an open-concept living with over-sized, sun-drenched windows, hardwood floors and soaring 10-foot ceilings. A two-sided see-through gas fireplace anchors the main living space, offering warmth and elegance from every angle, and a large chef's dream kitchen with plenty of storage, granite countertops, KraftMaid cabinetry, double ovens, and soft-close drawers and doors. Finish your perfect day of boating and fishing with a therapeutic hydrotherapy experience in the oversized jetted tub paired with a fireplace. The Primary en-suite also features an oversized walk-in shower, a heated towel rack, and custom-designed vanities. Lots of upgrades, please see Features & Benefits sheet available under the documents page.

Cost to own

Mortgage calculator

Home Price

$1,250,000

Down Payment: 20%

$250,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$6,446

Principal & Interest: $6,446

Insurance (est.): $833

Estimated Total Monthly

$7,279

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$6,446

Estimated total, before insurance$6,446/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,513/yr · $459/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).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $5,513/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: Metal — year not disclosed (home built 2008)

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

Septic system (public record) · Public water (record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,731 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

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.

History

Price & status history

Oct 17, 2025Listed$1,250,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,250,000

Price / Sq Ft$416

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,006

Total Structure Area3,006 sq ft

Acres0.36 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Other

StatusActive

# of Garages1

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Community Information

Address301 Saratoga Drive, Satsuma, FL 32189

Area581-Satsuma/Hoot Owl Ridge

SubdivisionSaratoga Harbor

CitySatsuma

CountyPutnam

StateFL

Zip Code32189

Lot Size15,681.6 sq ft

Parcel Number391126846100600080

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Water Available, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingAttached, Attached Carport, Carport, Garage, Garage Door Opener, Guest, RV Access/Parking

ViewCanal, Lake, River

Waterfront TypeCanal Front, Navigable Water, Ocean Access, River Access, River Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Guest Suite, In-Law Floorplan, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater, Washer, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Multi Units

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesDouble Sided, Electric, Gas

# of Stories2

LevelsTwo

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)