1 / 28

Active

Active·59 days on market

110 Horse Landing Road

Satsuma, FL 32189

$290,000$283/sqftEst. $1,479/moMLS# 2147736

Beds

Baths

1,025

Sq Ft

1976

Built

Garage

Pool

About this home

Satsuma

Nestled in the heart of Satsuma, Florida, this charming home offers 1,025 square feet of beautifully renovated living space. Built in 1976, this home has been thoughtfully updated, boasting a brand-new metal roof installed in 2023. Inside, every detail has been refreshed, including all new appliances as of 2023, and a water softening system also installed this year. The kitchen features gorgeous granite countertops, adding a touch of elegance. While the windows have been replaced sometime since 1976, their exact age is unknown. The home is serviced by a septic system and sits on a fully fenced lot for privacy and security. A screened-in porch hosts a hot tub, just two years old; it will be sold as-is and is negotiable. Don't miss this move-in-ready gem--perfect for anyone seeking modern comforts with a touch of classic charm. ***Extra bonus there is plenty of room to store all your toys and boat ramps to drop in at your convenience.

Cost to own

Mortgage calculator

Home Price

$290,000

Down Payment: 20%

$58,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,479

Principal & Interest: $1,479

Insurance (est.): $193

Estimated Total Monthly

$1,672

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,479

Estimated total, before insurance$1,479/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,657/yr · $221/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): $2,657/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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Metal — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,427 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

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