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Active Under Contract

Active Under Contract·271 days on market

145 Finnigan Road

Satsuma, FL 32189

$425,000$232/sqftEst. $2,262/moMLS# 2113958

Beds

Baths

1,832

Sq Ft

1975

Built

Garage

Pool

About this home

Satsuma

Fishermans paradise! Bring your boat and fishing rods.Experience the best of Florida on a deep water lot just minutes from the St Johns River. Home fully encapsulated within crawlspace 2024 by Alpha Foundations, HVAC 2025, water heater 2023 and with an acceptable offer will replace roof and septic tank, one non conforming bedroom however has a spacious closet before entering and three full bathrooms, Inside you'll find gleaming hardwood floors, a modern kitchen with granite countertops, and sun-filled living spaces that capture serene water views from every angle. Step outside to your private dock equipped with water, electric, and a boat lift-ideal for quick getaways for peace of mind and easy access to nearby waterfront restaurants, this property is truly a fisherman's paradise and a dream retreat for those who love the water.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,147

Principal & Interest: $2,147

Est. Taxes & Insurance: $537

Estimated Total Monthly

$2,683

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,262

Estimated total, before insurance$2,262/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $7,062/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Membrane, Shingle — year not disclosed (home built 1975)

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

Septic system (public record) · Private well (public 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: ~1,550 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Oct 18, 2025Listed$425,000

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

Features

Price$425,000

Price / Sq Ft$232

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage1,832

Acres0.90 acres

Year Built1975

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryBrowning Pearce

HighPalatka

Community Information

Address145 Finnigan Road, Satsuma, FL 32189

Area564-East Palatka/San Mateo/N Satsuma/Orange Mills

SubdivisionSt Johns Riverside Ests M

CitySatsuma

CountyPutnam

StateFL

Zip Code32189

Lot Size39,204 sq ft

Parcel Number371127825300200012

Amenities

UtilitiesCable Available, Electricity Connected

SewerPrivate Sewer, Septic Tank

Water SourcePrivate, Well

ParkingAttached, Garage, Garage Door Opener

Waterfront TypeCreek, Navigable Water, Ocean Access, Seawall

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Primary Bathroom - Tub with Shower, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesDryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile, Wood

# of Stories2

LevelsOne and One Half

LaundryIn Garage, Lower Level

SecurityFire Alarm, Smoke Detector(s)