Sold·Closed Jul 24, 2026·209 days on market
100 Waterway Avenue
Satsuma, FL 32189
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
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.
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 homeAs 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.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:25 AM, sunset 7:01 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
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): $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.
History
Price & status history
- Jul 28, 2026Closed$209,900
- Mar 25, 2026Listed$209,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $176/sq ft; this home is listed at $155/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 104 Waterway Avenue, Satsuma, FL 32189Listed by CW REALTY | Jun 2026 | $247,000 | $238 | 3/2 | 1,040 | 38 | 0 |
| 120 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $285,000 | $176 | 3/2 | 1,620 | 120 | 0.1 |
| 116 Waterside Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER PREMIER PROPERTIES | Jul 2026 | $250,000 | $220 | 3/2 | 1,134 | 172 | 0.2 |
| 226 Clearwater Road, Satsuma, FL 32189Listed by IHEART REALTY INC | Oct 2025 | $128,000 | $82 | 3/2 | 1,568 | 47 | 0.2 |
| 118 Riverside Avenue, Satsuma, FL 32189Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $185,000 | $114 | 3/2 | 1,616 | 342 | 0.3 |
| 203 Horse Landing Road, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jul 2026 | $213,000 | $141 | 3/2 | 1,512 | 12 | 0.3 |
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: COLDWELL BANKER BEN BATES INC
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 24, 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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