1 / 23

Active Under Contract

Active Under Contract·123 days on market

100 Waterway Avenue

Satsuma, FL 32189

$209,900$155/sqftEst. $1,070/moMLS# 2119986

Beds

Baths

1,352

Sq Ft

1985

Built

Garage

Pool

About this home

Satsuma

Affordable Canal-Front Living Near Dunns Creek-Discover the perfect blend of comfort and convenience in this cozy 3-bedroom, 2-bath doublewide home with direct canal access to Dunns Creek, Lake Crescent, the St. Johns River, and beyond. Bring your boat and fishing gear--this property includes a dock (needs TLC) and covered boathouse with lift, making it easy to enjoy days on the water. Inside, the spacious living room features a wood-burning fireplace, ideal for cozy winter evenings. Step out onto the 31.10 x 8.6 screened back porch to unwind and listen to the songs of native birds. A small, fenced area in the backyard provides a safe space for pets to play, along with a 2-car garage and workshop. Situated on a corner lot, this home offers quick access to downtown Palatka, St. Augustine, and nearby beaches--a wonderful opportunity for affordable waterfront living in a peaceful setting. Priced to sell !!

Cost to own

Mortgage calculator

Home Price

$209,900

Down Payment: 20%

$41,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,070

Principal & Interest: $1,070

Insurance (est.): $140

Estimated Total Monthly

$1,210

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,070

Estimated total, before insurance$1,070/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$650/yr · $54/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): $650/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Metal — year not disclosed (home built 1985)

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: ~1,323 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

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

Mar 25, 2026Listed$209,900

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

Features

Price$209,900

Price / Sq Ft$155

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,352

Total Structure Area1,976 sq ft

Acres0.68 acres

Year Built1985

TypeResidential

Sub-TypeMobile Home

StyleRanch

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesNorthwest

Community Information

Address100 Waterway Avenue, Satsuma, FL 32189

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

SubdivisionSt Johns Riverside

CitySatsuma

CountyPutnam

StateFL

Zip Code32189

Lot Size29,620.8 sq ft

Lot Dimensions110' x 266' x 140'wf x 218'

Parcel Number431027825400100260

ZoningResidential

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingGarage, Off Street

ViewCanal

Waterfront TypeCanal Front, Navigable Water, Ocean Access

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)