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Active

Active·155 days on market

334 Paradise Circle

Satsuma, FL 32189

$394,900$205/sqftEst. $2,030/moMLS# 2136708

Beds

Baths

1,923

Sq Ft

2007

Built

—

Garage

Pool

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

Mortgage calculator

Home Price

$394,900

Down Payment: 20%

$78,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,030

Principal & Interest: $2,030

Insurance (est.): $263

Estimated Total Monthly

$2,293

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,030

Estimated total, before insurance$2,030/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,714/yr · $226/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).

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.

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 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.

History

Price & status history

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.

Features

Price$394,900

Price / Sq Ft$205

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,923

Total Structure Area2,073 sq ft

Acres0.20 acres

Year Built2007

TypeResidential

Sub-TypeManufactured Home

StyleRanch

StatusActive

# of Carport Spaces2

Has PoolNo

Is WaterfrontYes

Direction FacesSouth

Community Information

Address334 Paradise Circle, Satsuma, FL 32189

Area564-East Palatka/San Mateo/N Satsuma/Orange Mills

SubdivisionMetes & Bounds

CitySatsuma

CountyPutnam

StateFL

Zip Code32189

Lot Size8,712 sq ft

Lot Dimensions30x102x100wfx129x40

Parcel Number371127825300000180

ZoningResidential

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected

SewerPublic Sewer

Water SourceWell

ParkingCarport

ViewCreek/Stream, River, Water

Waterfront TypeCreek, Navigable Water, Ocean Access, River Access, Seawall

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup