Active·125 days on market
110 Horse Landing Road
Satsuma, FL 32189
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
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.
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 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:20 AM, sunset 7:12 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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.
History
Price & status history
- Aug 14, 2026Price change$275,000−$15,000
- Jul 23, 2026Price change$290,000−$10,000
- May 29, 2026Listed$300,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MARK SPAIN REAL ESTATE
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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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines