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Active

Active·110 days on market

329 Hoot Owl Road

Satsuma, FL 32189

$235,000$158/sqftEst. $1,251/moMLS# 2137059

Beds

Baths

1,490

Sq Ft

2026

Built

—

Garage

Pool

About this home

Satsuma

One or more photo(s) has been virtually staged. Pre-Construction. To be built. Pre-Construction Custom Home Opportunity! Build Your Dream Home on 329 Hoot Owl Rd, Satsuma/Palatka, FL This is your chance to own a brand-new custom-built home in a peaceful setting -- designed and built exactly the way you want it! The base home starts at just $235,000 and includes a spacious 3-bedroom, 2-bath open-concept floor plan with these desirable features: • Large kitchen island with plenty of cabinet space • Stainless steel appliances (side-by-side refrigerator, dishwasher, microwave, garbage disposal, and stylish range) • Generous primary suite with walk-in closet • Energy-efficient double-pane windows Well and septic are included with the base price -- no extra costs for these major utilities! All photos shown are examples of the home with premium Package upgrades -- so you can see the quality, finishes, and luxurious touches that are available. We have the land and the builder, bring your dream

Cost to own

Mortgage calculator

Home Price

$235,000

Down Payment: 20%

$47,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,187

Principal & Interest: $1,187

Est. Taxes & Insurance: $297

Estimated Total Monthly

$1,484

*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$1,251

Estimated total, before insurance$1,251/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): $78/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 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,706 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