Active·109 days on market
153 Smith Lane
Satsuma, FL 32189
See it this week
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
Welcome to this updated Homes of Merit property, offering ample space and a perfect blend of indoor and outdoor living. This 3-bedroom, 2-bathroom home boasts a beautifully renovated kitchen (2024) with custom cabinetry and stainless steel appliances, a formal living room, and a cozy den with a fireplace. Sliding glass doors lead to a spacious outdoor deck, ideal for entertaining and enjoying the waterfront lifestyle. Situated on a wide, deep water canal on Dunns Creek, this property provides direct access to Lake Crescent and the St. Johns River. Renowned for world-class bass fishing, the area also features excellent waterfront dining options. The canal-front paradise includes a boathouse with a covered boat lift that was built on January 2026, a fish-cleaning station, and a waterfront deck, offering incredible outdoor entertaining spaces. Surrounded by majestic oaks and Spanish moss, this is the ultimate retreat to relax, fish, boat, and embrace the Florida waterfront lifestyle.
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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Metal — year not disclosed (home built 1991)
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: ~1,515 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $832/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
- Sep 11, 2026Price change$299,900−$15,000
- Aug 28, 2026Active Under Contract$314,900
- Aug 23, 2026Price change$314,900−$15,000
- Jul 14, 2026Price change$329,900−$20,000
- Jun 23, 2026Listed$349,900
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 $215/sq ft; this home is listed at $198/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 161 Smith Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $100,000 | $72 | 2/2 | 1,380 | 110 | 0 |
| 792 Ridgeline Road, Satsuma, FL 32189Listed by IHEART REALTY INC | May 2025 | $424,900 | $281 | 2/2 | 1,510 | 13 | 0.2 |
| 112 Fran Lane, Satsuma, FL 32189Listed by MAXREV, LLC | Apr 2025 | $230,000 | $215 | 2/1 | 1,072 | 28 | 0.2 |
| 115 Cleo Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jul 2026 | $219,900 | $168 | 4/2 | 1,308 | 4 | 0.4 |
| 695 Carlin Road, Satsuma, FL 32189Listed by MAXREV, LLC | Jan 2026 | $225,000 | $155 | 3/2 | 1,456 | 14 | 0.4 |
| 117 Jill Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $263,000 | $217 | 2/2 | 1,210 | 181 | 0.5 |
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: COLDWELL BANKER BEN BATES INC
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.
Keep looking
More homes in Acosta Grant
For Sale132 Palmetto Point LaneSan Mateo, FL 32187
3 bd · 2 ba · 1,320 sq ft
$168,995Est. $899/moLocation, Location, Location! Experience peaceful country living in this charming San Mateo property, offering privacy,…
Listing Office: coldwell banker ben bates inc
For Sale126 Golf Course LaneCrescent City, FL 32112
2 bd · 1.5 ba · 864 sq ft
$90,000Est. $479/mo**Location is key** This quaint home is located at first tee off, Oaks Golf Course in Georgetown, with an excellent…
Listing Office: st johns realty and management llc
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