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Sold

Sold·Closed Jul 27, 2026·136 days on market

174 Buchanan Circle

Satsuma, FL 32189

$91,000sold priceListed at $104,900 · 86.7% of asking$84/sqftMLS# 2131767
3
Beds
2
Baths
1,088
Sq Ft
1987
Built
—
Garage
No
Pool
FEMA Zone XNo HOA10,019 sqft lotMobile Home1 story

About this home

Satsuma

This charming three-bedroom, two-bathroom home features a room addition that provides an additional 286 square feet of space. The backyard is fenced, making it suitable for a small pet. It would be an ideal choice for an Airbnb or a cozy winter retreat. The home is conveniently located just a short drive away from the beautiful beaches.

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$504
Estimated total, before insurance$504/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,466/yr · $122/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

$91,000
$18,200
Loan Term
Monthly Payment
$504
Principal & Interest: $504
Insurance (est.): $61
Estimated Total Monthly
$565
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 1987)

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

Likely septic

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: ~1,747 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

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,466/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$104,900
  • Jul 17, 2026Pending$104,900
  • Jul 13, 2026Active Under Contract$104,900
  • Feb 24, 2026Listed$104,900

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 $130/sq ft; this home is listed at $96/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
218 Monroe Avenue, Satsuma, FL 32189Listed by IHEART REALTY INCJul 2025$120,000$1302/29243370.1
139 Magnolia Street, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJun 2026$70,000$752/192900.2
149 Lake Margo Drive, Satsuma, FL 32189Listed by REAL BROKER LLCJul 2026$250,000$1803/21,3891110.5
104 Cody Drive, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCAug 2026$67,500$703/2960310.7
117 Bumpy Lane, Palatka, FL 32177Listed by IHEART REALTY INCJul 2026$151,000$1172/21,296741.8
713 Hickory Nut Trail, Satsuma, FL 32189Listed by IHEART REALTY INCSep 2025$200,000$1743/21,15282.1

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$104,900
Price / Sq Ft$96
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,088
Total Structure Area2,026 sq ft
Acres0.23 acres
Year Built1987
TypeResidential
Sub-TypeMobile Home
StatusClosed
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo

Community Information

Address174 Buchanan Circle, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionSt Johns Riverside
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size10,018.8 sq ft
Parcel Number391126823400200090
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected
Water SourcePublic
ParkingAttached Carport

Interior

Interior FeaturesSplit Bedrooms
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

FencingBack Yard, Wire, Wood

Additional Information

Date ListedFebruary 24, 2026
Days on Market136
Tax Amount$1,465.74
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 27, 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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