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Sold

Sold·Closed Feb 13, 2026·8 days on market

131 Whitney Street

Satsuma, FL 32189

$1,782,290sold priceListed at $1,990,000 · 89.6% of asking$589/sqftMLS# 2126806
3
Beds
3.5
Baths
3,025
Sq Ft
2002
Built
2
Garage
No
Pool
No HOA7.00 acresWaterfrontSingle Family Residence2 stories

About this home

Satsuma

Extraordinary St. Johns Riverfront Estate—an exceptionally rare offering with approx. 7 acres and 365' of direct river frontage in a serene, park-like setting. Beyond the private gate, quality craftsmanship and thoughtful details are evident throughout. The custom-built 3,000+ sq ft home features 3 spacious bedrooms, each with a private bath, plus a half bath. Enjoy an oversized riverfront living and entertaining room, a beautiful kitchen and dining room, and expansive views of the water. Outdoor living shines with a sunset-view deck and screened dining space ideal for gatherings. The dock is truly a destination, offering a large upper party deck, expansive screened room, two boat lifts, and fish cleaning station. The nearby climate-controlled bunkhouse and tackle room with bar provide additional guest space and a relaxed waterfront hangout. Multiple fire pits enhance the natural setting. A two-car garage with center RV/boat port. Two parcels allow for an additional homesite.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$9,872
Estimated total, before insurance$9,872/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,650/yr · $1,304/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,782,290
$356,458
Loan Term
Monthly Payment
$9,872
Principal & Interest: $9,872
Insurance (est.): $1,188
Estimated Total Monthly
$11,060
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 2002)

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

Solar potential: ~1,645 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $15,650/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.

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 $115/sq ft; this home is listed at $658/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
126 Easy Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCAug 2025$865,000$3163/32,7372061.5
417 2nd Avenue, Satsuma, FL 32189Listed by CW REALTYAug 2025$250,000$1154/22,172181.7
214 Baker Road, Satsuma, FL 32189Listed by MODERN REALTY OF FLORIDAJul 2026$219,500$964/22,280672.5

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

Price$1,990,000
Price / Sq Ft$658
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,025
Acres7.00 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

Community Information

Address131 Whitney Street, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionMetes & Bounds
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size304,920 sq ft
Parcel Number391126000000300021
ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway, Detached, Garage, RV Access/Parking
ViewProtected Preserve, River
Waterfront TypeRiver Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Kitchen Island, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Gas Cooktop, Ice Maker, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySecurity Gate

Exterior

Exterior FeaturesBoat Lift, Dock, Fire Pit
Patio / PorchDeck, Patio, Screened
FencingOther, Wood
RoofMetal
ConstructionBrick Veneer, Composition Siding, Frame, Vinyl Siding
Road SurfaceAsphalt

Additional Information

Date ListedJanuary 24, 2026
Days on Market8
Tax Amount$15,650
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER BEN BATES INC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Feb 13, 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.

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