Active·182 days on market
407 Rustic Road
Satsuma, FL 32189
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Satsuma
Priced to SELL!!! Just off the beaten path... Brand new- never lived in, and ready to go! Structural warranty. Dunn's Creek is just down the road and leads straight into the St. Johns River. Spend your weekends on the water, then head home to peace and quiet. You're also just minutes from Dunns Creek State Park, where you can horseback ride, bike, and take in Florida's natural beauty. Need to get into town? Downtown Palatka is about 8 minutes away with shopping, restaurants, and local events. This Carmen model features 3 bedrooms, 2 bathrooms, and a 1-car garage, sitting on a beautiful lot with a private, peaceful backyard. There's still room to make it your own. Add a pool, a she-shed, or a play area. Inside, you'll find: • 9-foot ceilings • LVP flooring throughout • Granite countertops • Stainless steel appliances & more! Don't hold out on this great investment! You can't beat a quality built new home! Reach out to the agent for more help with financing.
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 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 2024)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,558 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $4,640/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
- Apr 11, 2026Listed$257,900
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 $172/sq ft; this home is listed at $174/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 212 Squirrel Tree Trail, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Sep 2025 | $225,000 | $160 | 3/2 | 1,404 | 8 | 0.2 |
| 204 Rabbit Track Road, Satsuma, FL 32189Listed by NORTH FLORIDA REAL ESTATE PARTNERS INC | Jul 2026 | $214,120 | $172 | 3/2 | 1,248 | 86 | 0.3 |
| 104 Tangerine Trail, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Aug 2026 | $95,000 | $79 | 3/2 | 1,200 | 117 | 0.5 |
| 520 Hickory Nut Trail, Satsuma, FL 32189Listed by LANTERN REALTY, LLC. | Sep 2026 | $185,000 | $173 | 3/2 | 1,067 | 313 | 0.6 |
| 203 Quail Hollow Road, Satsuma, FL 32189Listed by VENTURE REALTY CO, LLC | Aug 2026 | $61,000 | $42 | 3/2 | 1,440 | 34 | 0.6 |
| 713 Hickory Nut Trail, Satsuma, FL 32189Listed by IHEART REALTY INC | Sep 2025 | $200,000 | $174 | 3/2 | 1,152 | 8 | 0.9 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: MAXREV, LLC
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines