Sold·Closed Aug 3, 2026·120 days on market
120 Waterway Avenue
Satsuma, FL 32189
About this home
Satsuma
Don't miss your opportunity to own a rare blend of comfort, upgrades, and true Florida waterfront living! Set on a navigable canal with direct access to Dunns Creek and the St. Johns River, this very well-maintained Home features 3 bedrooms, 2 bathrooms, and a bonus room/office! The property is a dream for boating and fishing enthusiasts, features outdoor storage buildings, a private dock, remote control boat lift, and fish-cleaning station. A 350-ft well delivers impeccable drinking water to the home (connection to Public Water available). A new roof was installed in 2024, and the home has seen thoughtful improvements over the past 5-7 years, including new Luxury Vinyl Plank flooring, a refreshed guest bathroom, expanded back deck, and an updated A/C system with new ductwork and a UV light purifier. Whether you're seeking a weekend retreat or a full-time waterfront sanctuary, this property delivers convenience, comfort, and direct access to some of Florida's best waterway living!
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: Shingle — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Likely septic · 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: ~1,657 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 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
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:25 AM, sunset 7:01 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
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
2025 property taxes (current owner): $712/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
- Aug 7, 2026Closed$299,900
- Mar 4, 2026Listed$299,900
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 $183/sq ft; this home is listed at $185/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 100 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jul 2026 | $200,000 | $148 | 3/2 | 1,352 | 209 | 0.1 |
| 226 Clearwater Road, Satsuma, FL 32189Listed by IHEART REALTY INC | Oct 2025 | $128,000 | $82 | 3/2 | 1,568 | 47 | 0.1 |
| 118 Riverside Avenue, Satsuma, FL 32189Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $185,000 | $114 | 3/2 | 1,616 | 342 | 0.2 |
| 116 Waterside Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER PREMIER PROPERTIES | Jul 2026 | $250,000 | $220 | 3/2 | 1,134 | 172 | 0.2 |
| 124 Fisherman Road, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Jul 2026 | $292,000 | $253 | 2/2 | 1,152 | 2 | 0.2 |
| 117 Fisherman Road, Satsuma, FL 32189Listed by CENTURY 21 TRITON REALTY | Jun 2026 | $308,000 | $183 | 4/2 | 1,680 | 0 | 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 Aug 3, 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.
Northeast Florida living
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