Active·123 days on market
109 Cody Drive
Satsuma, FL 32189
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Satsuma
Seller Motivated! Located on a private road leading to the Saint Johns River, this charming 2-bedroom, 1-bathroom fully furnished cottage (approx. .35 acre) with additional well lot (approx. .60 acre) offers the perfect blend of comfort, relaxation, and opportunity. Offering river access without the taxes. This delightful retreat is ready for you to move in, unwind, and enjoy. Hobbyists, creatives, and investors will appreciate the gardener's shed, massive workshop, and additional dwelling unit (ADU), which is ready for your finishing touches. Transform the ADU into a private guest suite, home office, studio, or potential income-producing space. Start your mornings on the screened-in porch overlooking the peaceful courtyard, then spend your afternoons exploring the beautiful Saint Johns River with convenient access to the community boat ramp. Whether you're looking for a weekend getaway, a full-time residence, or an investment opportunity, this property has plenty to offer.
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.
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: Shingle — year not disclosed (home built 1969)
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: ~1,251 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.
History
Price & status history
- Sep 14, 2026Price change$193,000−$4,000
- Jun 10, 2026Listed$197,000
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 $84/sq ft; this home is listed at $156/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 104 Cody Drive, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Aug 2026 | $67,500 | $70 | 3/2 | 960 | 31 | 0 |
| 118 Hermits Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $107,000 | $70 | 3/2 | 1,528 | 0 | 0.5 |
| 139 Magnolia Street, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $70,000 | $75 | 2/1 | 929 | 0 | 0.6 |
| 149 Lake Margo Drive, Satsuma, FL 32189Listed by REAL BROKER LLC | Jul 2026 | $250,000 | $180 | 3/2 | 1,389 | 111 | 0.7 |
| 174 Buchanan Circle, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jul 2026 | $91,000 | $84 | 3/2 | 1,088 | 136 | 0.7 |
| 218 Monroe Avenue, Satsuma, FL 32189Listed by IHEART REALTY INC | Jul 2025 | $120,000 | $130 | 2/2 | 924 | 337 | 0.7 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
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.
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Your Local Realtor
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.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines