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Active

Active·41 days on market

128 Jill Lane

Satsuma, FL 32189

$420,000$219/sqftEst. $2,235/moMLS# 2133359

Beds

Baths

1,920

Sq Ft

1999

Built

—

Garage

Pool

About this home

Satsuma

Stunning waterfront retreat offering the perfect blend of modern upgrades and coastal living. This beautifully remodeled home features luxury vinyl flooring throughout, a stylish kitchen with rebuilt cabinetry and granite countertops, and renovated bathrooms with updated cabinetry, countertops, and elegant tiled showers. Fresh interior paint, updated doors, baseboards, and durable metal roofing enhance both style and longevity. Major system upgrades include a newer water system and softener, brand new 4-ton AC system (2025), and new well pump for added peace of mind. Outdoor living shines with a welcoming front porch, updated deck with new boards and rails, and both wood and chain-link fencing. Boating enthusiasts will appreciate the private boathouse complete with wiring and a 7,000 lb electric boat lift, along with bulkhead improvements for easy water access. Move-in ready and designed to enjoy the ultimate waterfront lifestyle!

Cost to own

Mortgage calculator

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,122

Principal & Interest: $2,122

Est. Taxes & Insurance: $530

Estimated Total Monthly

$2,652

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$2,235

Estimated total, before insurance$2,235/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,363/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 1999)

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

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: ~1,640 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History