Sold·Closed Jul 10, 2026·4 days on market
115 Cleo Lane
Satsuma, FL 32189
About this home
Satsuma
Waterfront Opportunity on Dunn's Creek! Well-maintained 4-bedroom, 2-bath 1966 mobile home located in the highly desirable Dunn's Creek area. This home features some interior updates, an added living room for extra space and a screened porch to enjoy the peaceful waterfront setting. Situated on a large, well-kept canal with approximately 150 feet of waterfront, you'll enjoy direct access to Dunn's Creek from your own private boat ramp. Perfect for boating, fishing and waterfront living. Additional features include a detached one-car garage, two driveways, and a dedicated 200-amp service, making an ideal RV hookup or parking area. Highlights: 4 Bedrooms, 2 Bathrooms, Approx. 150' of canal frontage, Direct access to Dunn's Creek, Private boat ramp, Detached garage, Two driveways, 200-amp RV hookup, Screened porch, Never flooded. A rare opportunity to own a spacious, serene, waterfront property in one of Dunn's Creek's most sought-after locations!
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 1966)
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: ~1,719 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 7:01 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
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): $2,886/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
- Jul 13, 2026Closed$264,900
- Jun 26, 2026Listed$264,900
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 $203/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 117 Jill Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $263,000 | $217 | 2/2 | 1,210 | 181 | 0.1 |
| 161 Smith Lane, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $100,000 | $72 | 2/2 | 1,380 | 110 | 0.4 |
| 112 Fran Lane, Satsuma, FL 32189Listed by MAXREV, LLC | Apr 2025 | $230,000 | $215 | 2/1 | 1,072 | 28 | 0.4 |
| 114 Palmetto Road, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Sep 2026 | $186,000 | $153 | 3/2 | 1,216 | 2 | 0.5 |
| 114 Palmetto Road, Satsuma, FL 32189Listed by MODERN REALTY OF FLORIDA | Feb 2026 | $60,000 | $49 | 3/2 | 1,216 | 50 | 0.5 |
| 124 Fisherman Road, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Jul 2026 | $292,000 | $253 | 2/2 | 1,152 | 2 | 0.6 |
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.
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines