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Sold·Closed Jan 30, 2026·4 days on market
215 Saratoga Drive
Satsuma, FL 32189
About this home
Satsuma
Enjoy tranquil lakefront living in this well-maintained mobile home with enclosed porch and deck overlooking a scenic fishing lake. Whether you're looking for a proven vacation rental, a winter getaway, or a peaceful place to retire, this home offers endless possibilities. Featuring approximately 100 feet of frontage on a non-motorized lake in Saratoga Harbor, this setting is perfect for fishing, kayaking, and quiet relaxation. Current owner has a 10 year history of vacation rental with this property. Per owner, the home includes a new HVAC system and a newer dock, only two years old. Optional HOA, and occasional opportunities to purchase neighborhood boat slip for direct river access. A public boat ramp to the Saint Johns River is approximatley 2.5 miles away. Priced to sell and offered As Is.
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.
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.
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 1974)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,679 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 homeThis 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.
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 $155/sq ft; this home is listed at $116/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 325 Saratoga Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $600,000 | $500 | 2/2 | 1,200 | 0 | 0.2 |
| 209 Hamilton Road, Satsuma, FL 32189Listed by DUCK REALTY INC | Sep 2025 | $148,900 | $141 | 3/2 | 1,056 | 146 | 0.5 |
| 140 Yancey Circle, Satsuma, FL 32189Listed by CENTURY 21 TRITON REALTY | Oct 2025 | $130,000 | $88 | 3/2 | 1,472 | 108 | 0.6 |
| 118 Frontier Drive, Satsuma, FL 32189Listed by LPT REALTY LLC | Jul 2025 | $156,000 | $161 | 2/2 | 968 | 30 | 0.6 |
| 102 Alder Lane, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Aug 2026 | $265,000 | $155 | 3/2 | 1,715 | 10 | 0.7 |
| 207 Cabot Lane, Satsuma, FL 32189Listed by SMILEEHOUSE AUCTION CO LLC | Apr 2026 | $181,000 | $126 | 3/2 | 1,440 | 11 | 0.8 |
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: TIMBER TO TIDES REALTY LLC
Sold by: COLDWELL BANKER BEN BATES INC (buyer's brokerage)
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 Jan 30, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines