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Active

Active·81 days on market

137 & 135 Riverside Drive

Satsuma, FL 32189

$499,000$403/sqftEst. $2,656/moMLS# 2142010
3
Beds
2
Baths
1,239
Sq Ft
1975
Built
1
Garage
No
Pool

About this home

Satsuma

Stunning Waterfront Paradise 3/2 with garage 237 ft waterfront ,with concrete bulkhead,built in boat house /w lift & docking for large vessels,Included in sale is adjacent,seperate cleared and lanscaped lot.Home features split floor plan,open concept,tile flooring thru out,gorgeous chefs kitchen new custom cabintry,soft close drawers,stainless appliances ,oyster shell solid surface counter top with scallop edging, custom wood breakfast bar, wine rack, eat in Kitchen area, tongue & grove ceilings, recessed lighting & custom fixtures, reverse osmosis, updated bathrooms, Wood burning fireplace in living room,custom built ins, large covered cedar front porch.Central heated & cooled garage,metal roofing,gutters,double pane windows.Property offers very quiet and tranquil waterfront park like setting ,dead end street,aluminum fencing, landscaping, lighting,irrigation system,covered fish cleaning station,circular driveway, fire pit,plenty off room to build out on the Two properties if desired

Cost to own

Mortgage calculator

$499,000
$99,800
Loan Term
Monthly Payment
$2,521
Principal & Interest: $2,521
Est. Taxes & Insurance: $630
Estimated Total Monthly
$3,151
*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$2,656
Estimated total, before insurance$2,656/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): $4,623/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 1975)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,327 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Price & status history

  • Apr 26, 2026Listed$499,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$499,000
Price / Sq Ft$403
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,239
Total Structure Area1,841 sq ft
Acres0.86 acres
Year Built1975
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes

Community Information

Address137 & 135 Riverside Drive, Satsuma, FL 32189
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionSan Mateo Estates 2
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size37,461.6 sq ft
Parcel Number291027830000000380 & 291027830000000370
ZoningResidential

Amenities

UtilitiesElectricity Connected, Natural Gas Available, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAdditional Parking, Circular Driveway, Garage, Off Street
ViewCanal, River

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air, Electric
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesBoat Lift, Dock, Fire Pit
Lot DescriptionCorner Lot, Dead End Street
Patio / PorchCovered, Front Porch
FencingOther
RoofMetal
ConstructionFrame, Vinyl Siding
Other StructuresBoat House
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedApril 26, 2026
Days on Market35
Tax Amount$4,622.79
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

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.

Contact KristaText Krista about this home

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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