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Sold

Sold·Closed Jun 22, 2026·53 days on market

101 Orange Street

Satsuma, FL 32189

$660,000sold priceListed at $684,900 · 96.4% of asking$344/sqftMLS# 2133451
3
Beds
2.5
Baths
1,920
Sq Ft
1959
Built
—
Garage
No
Pool
No HOA0.91 acresWaterfrontSingle Family Residence1 story

About this home

Satsuma

Welcome to a place where ''Old Florida'' charm meets peaceful waterfront living. This unique property sits on approximately 0.91 acres and offers a warm, inviting setting that blends character, comfort, and the relaxed lifestyle so many people love about life along the river. The main home, originally built in 1959, features two bedrooms and one and a half bathrooms with a welcoming feel throughout. The updated kitchen showcases beautiful quartz countertops and opens nicely into the living area, making it a great space for cooking and gathering with family or friends.The kitchen is also equipped with a reverse osmosis system and a grease trap. The primary bedroom offers a direct view of the water that is truly breathtaking, allowing you to wake up each morning to peaceful views and stunning natural scenery. A gas fireplace adds warmth and charm inside, while multiple porches create inviting spaces to relax and take in the waterfront setting.

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$3,656
Estimated total, before insurance$3,656/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,508/yr · $626/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

$660,000
$132,000
Loan Term
Monthly Payment
$3,656
Principal & Interest: $3,656
Insurance (est.): $440
Estimated Total Monthly
$4,096
*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.

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 1959)

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

Solar potential: ~1,608 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): $7,508/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 $125/sq ft; this home is listed at $357/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
118 Hermits Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJun 2026$107,000$703/21,52800.2
149 Lake Margo Drive, Satsuma, FL 32189Listed by REAL BROKER LLCJul 2026$250,000$1803/21,3891110.4
343 E Buffalo Bluff Road, Satsuma, FL 32189Listed by ONE SOTHEBY'S INTERNATIONAL REALTYApr 2025$749,000$3793/21,97720.6
153 Lettie Lane, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCJun 2025$255,000$1253/22,0462581.4
107 Krantz Road, Palatka, FL 32177Listed by IHEART REALTY INCMay 2025$60,000$343/21,75541.6
117 Williams Lane, Satsuma, FL 32189Listed by IHEART REALTY INCAug 2025$200,000$974/22,0521961.9

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$684,900
Price / Sq Ft$357
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,920
Acres0.91 acres
Year Built1959
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces3
Has PoolNo
Is WaterfrontYes

Community Information

Address101 Orange Street, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionMetes & Bounds
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size39,639.6 sq ft
Parcel Number331026000000600020

Amenities

UtilitiesElectricity Connected, Natural Gas Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAdditional Parking, Carport, Covered, Guest, RV Access/Parking
ViewRiver

Interior

AppliancesDishwasher, Electric Range, Gas Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
Fireplace FeaturesGas
# of Stories1

Exterior

Exterior FeaturesBoat Lift, Boat Slip, Dock, Fire Pit
Patio / PorchCovered, Deck, Front Porch, Patio, Porch, Rear Porch, Screened, Side Porch
FencingBack Yard, Vinyl
RoofMetal
Other StructuresBoat House, Guest House, Shed(s), Workshop
Road SurfaceAsphalt, Paved

Additional Information

Date ListedMarch 6, 2026
Days on Market53
Tax Amount$7,508.2
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IHEART REALTY 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 Jun 22, 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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