Sold·Closed Aug 28, 2026·110 days on market
161 Smith Lane
Satsuma, FL 32189
About this home
Satsuma
This is an excellent opportunity for those looking for a waterfront property situated on Dunns Creek, offering convenient access to either the St. Johns River or Crescent Lake. The mobile home requires repairs. The dock, bulkhead, and boathouse are in need of repair. The seller has never resided on the property and will not undertake any further repairs. Use extreme caution if walking on the dock. Buyers are strongly advised to conduct their own thorough due diligence. The home and property are being sold ''AS IS''. This a CASH ONLY.
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: material not specified — year not disclosed (home built 1980)
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: ~1,718 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): $574/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 1, 2026Closed$125,000
- Aug 19, 2026Pending$125,000
- Jun 4, 2026Listed$125,000
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 $215/sq ft; this home is listed at $91/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 792 Ridgeline Road, Satsuma, FL 32189Listed by IHEART REALTY INC | May 2025 | $424,900 | $281 | 2/2 | 1,510 | 13 | 0.2 |
| 112 Fran Lane, Satsuma, FL 32189Listed by MAXREV, LLC | Apr 2025 | $230,000 | $215 | 2/1 | 1,072 | 28 | 0.2 |
| 115 Cleo Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jul 2026 | $219,900 | $168 | 4/2 | 1,308 | 4 | 0.4 |
| 695 Carlin Road, Satsuma, FL 32189Listed by MAXREV, LLC | Jan 2026 | $225,000 | $155 | 3/2 | 1,456 | 14 | 0.4 |
| 117 Jill Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $263,000 | $217 | 2/2 | 1,210 | 181 | 0.5 |
| 321 Paradise Circle, Satsuma, FL 32189Listed by RIVER LIFE REALTY LLC | Jun 2026 | $301,200 | $186 | 3/2 | 1,616 | 141 | 0.8 |
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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.
Northeast Florida living
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