Active·203 days on market
334 Paradise Circle
Satsuma, FL 32189
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Satsuma
A true haven for fishing enthusiasts and nature lovers alike, this exceptional 3BR/ 2BA home offers 100' of frontage on the meandering, deep waters of Dunns Creek. Set in a peaceful country setting at the end of a cul-de-sac, the property captures the essence of waterfront living w/a 50-foot fishing dock & separate boathouse complete w/lift, fish-cleaning sink, & direct access to Crescent Lake, the St. Johns River, & beyond to the Atlantic Ocean. Known as the bass capital of the world, this location promises endless days of adventure on the water. Inside, the home exudes comfort & charm, featuring upgraded windows & doors, elegant crown molding & a thoughtful layout where the Family Room, Dining Room, Kitchen, office & porch overlook the tranquil creek. The master suite includes a luxurious walk-in tub, perfect for unwinding after a day of fishing or boating. A rare combination of serenity, functionality & natural beauty, this waterfront paradise won't last long. Home comes furnished.
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 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 2007)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,686 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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:28 AM, sunset 6:56 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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): $2,714/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
- Sep 16, 2026Price change$379,999−$14,901
- Aug 20, 2026Price change$394,900−$5,100
- Mar 25, 2026Listed$400,000
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 $176/sq ft; this home is listed at $198/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 321 Paradise Circle, Satsuma, FL 32189Listed by RIVER LIFE REALTY LLC | Jun 2026 | $301,200 | $186 | 3/2 | 1,616 | 141 | 0.2 |
| 117 Fisherman Road, Satsuma, FL 32189Listed by CENTURY 21 TRITON REALTY | Jun 2026 | $308,000 | $183 | 4/2 | 1,680 | 0 | 0.4 |
| 226 Clearwater Road, Satsuma, FL 32189Listed by IHEART REALTY INC | Oct 2025 | $128,000 | $82 | 3/2 | 1,568 | 47 | 0.5 |
| 120 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $285,000 | $176 | 3/2 | 1,620 | 120 | 0.6 |
| 118 Riverside Avenue, Satsuma, FL 32189Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $185,000 | $114 | 3/2 | 1,616 | 342 | 0.7 |
| 100 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jul 2026 | $200,000 | $148 | 3/2 | 1,352 | 209 | 0.7 |
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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Krista Fracke
Broker Associate
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