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Sold

Sold·Closed Aug 5, 2026·31 days on market

104 Cody Drive

Satsuma, FL 32189

$67,500sold priceListed at $99,000 · 68.2% of asking$70/sqftMLS# 2149716
3
Beds
2
Baths
960
Sq Ft
1987
Built
—
Garage
No
Pool
FEMA Zone XNo HOA13,068 sqft lotManufactured Home1 story

About this home

Satsuma

Escape to your serene, shaded oasis on a rural dead-end road, featuring exclusive community access to the St. Johns River and a neighborhood boat ramp! This inviting Fleetwood mobile home boasts updated flooring and optional furnishings, offering a turnkey setup inside. Bring your vision to complete the needed exterior updates and maximize this property's potential. Bonus: a spacious 12' x 20' outbuilding offers the perfect spot for a workshop, tackle storage, or hobby space. Nestled near Dunns Creek between Palatka and Welaka, you are right in the heart of Florida's Bass Capital. Spend your days experiencing world-class fishing, and your evenings navigating to the county's premier waterfront dining spots for spectacular sunsets.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$374
Estimated total, before insurance$374/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,470/yr · $123/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$67,500
$13,500
Loan Term
Monthly Payment
$374
Principal & Interest: $374
Insurance (est.): $45
Estimated Total Monthly
$419
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — year not disclosed (home built 1987)

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: ~1,527 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 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,470/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 6, 2026Closed$99,000
  • Jul 21, 2026Pending$99,000
  • Jul 11, 2026Active Under Contract$99,000
  • Jul 8, 2026Price change$99,000−$11,000
  • Jun 10, 2026Listed$110,000

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 $130/sq ft; this home is listed at $103/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
139 Magnolia Street, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJun 2026$70,000$752/192900.6
174 Buchanan Circle, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJul 2026$91,000$843/21,0881360.7
218 Monroe Avenue, Satsuma, FL 32189Listed by IHEART REALTY INCJul 2025$120,000$1302/29243370.7
109 Gaskin Road, Palatka, FL 32177Listed by COLDWELL BANKER BEN BATES INCAug 2026$135,000$1931/1700282.3
713 Hickory Nut Trail, Satsuma, FL 32189Listed by IHEART REALTY INCSep 2025$200,000$1743/21,15282.5
155 Rabbit Track Road, Satsuma, FL 32189Listed by MAXREV, LLCSep 2026$122,000$1223/21,0001342.7

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

Price$99,000
Price / Sq Ft$103
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage960
Acres0.30 acres
Year Built1987
TypeResidential
Sub-TypeManufactured Home
StyleTraditional
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address104 Cody Drive, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionMetes & Bounds
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size13,068 sq ft
Parcel Number331026000000300057
ZoningMobile Home(s)

Amenities

Community FeaturesFishing
UtilitiesCable Available, Electricity Available
SewerSeptic Tank
Water SourceShared Well, Other
ParkingOff Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesGas Cooktop, Gas Range, Refrigerator
HeatingPropane
CoolingCentral Air, Electric, Wall/Window Unit(s)
FlooringLaminate
# of Stories1
LevelsOne
LaundryIn Unit
SecurityClosed Circuit Camera(s)

Exterior

Lot DescriptionDead End Street, Few Trees
Patio / PorchFront Porch, Porch, Rear Porch, Screened
RoofMetal
ConstructionFrame
Other StructuresShed(s), Workshop
Road SurfaceDirt, Gravel
Road FrontagePrivate Road

Additional Information

Date ListedJune 10, 2026
Days on Market31
Tax Amount$1,470.27
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TIMBER TO TIDES REALTY 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

Krista Fracke

Broker Associate

This home sold on Aug 5, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines