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Active

Active·39 days on market

137 Kerry Drive

Satsuma, FL 32189

$279,000$179/sqftEst. $1,423/moMLS# 2151141

Beds

Baths

1,560

Sq Ft

2023

Built

—

Garage

Pool

About this home

Satsuma

Welcome to waterfront living at its finest! Built in 2023 and ready for you to start enjoying waterfront living! This beautifully maintained 2-bedroom, 2-bath home offers the perfect blend of comfort, convenience, and low-maintenance living on a peaceful canal with access to Dunns Creek and the St. Johns River. Step inside to find an inviting open floor plan with soaring 9-foot ceilings, a spacious living area, and plenty of storage throughout. The screened porch provides the perfect spot for morning coffee, relaxing evenings, or enjoying the peaceful water views. Outside, the fully fenced yard features a shed with electricity, pump house, and private dock with approximately 63 feet of waterfront--perfect for fishing, boating, or simply enjoying the beauty of Florida's waterways. Whether you're looking for a year-round residence, a weekend getaway, or a place to enjoy the boating lifestyle, this newer waterfront home offers the opportunity to start living the Florida dream today!

Cost to own

Mortgage calculator

Home Price

$279,000

Down Payment: 20%

$55,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,423

Principal & Interest: $1,423

Insurance (est.): $186

Estimated Total Monthly

$1,609

*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$1,423

Estimated total, before insurance$1,423/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,134/yr · $95/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): $1,134/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: Shingle — year not disclosed (home built 2023)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,285 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