Pending·99 days on market
107 Woodlawn Road
Satsuma, FL 32189
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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
Great opportunity to restore and reimagine this 3-bedroom, 1-bath home situated on a 10,459-square-foot lot in Satsuma. The property requires a complete renovation, making it an ideal blank canvas for investors, renovators, or buyers looking to create a home tailored to their own style and preferences. With ample outdoor space and endless possibilities, this property offers tremendous potential for those with a vision. Located in a peaceful residential area, Satsuma is known for its spacious homesites, natural surroundings, and proximity to the St. Johns River, providing convenient access to boating, fishing, and other outdoor recreational activities. Enjoy the charm of small-town living while remaining within a reasonable drive of Palatka, Crescent City, and Ocala. This property is being sold as-is. Property is lender -owned and U.S. Bank National Association is making no representations or warranties.
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 1985)
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: ~1,378 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.
Sun & Light
Southwest-facing backyard — long light and winter sunsets
The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:25 AM, sunset 7:01 PM.
- The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
- Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.
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): $312/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 23, 2026Pending$121,125
- Sep 3, 2026Price change$121,125−$21,375
- Jul 31, 2026Price change$142,500−$25,000
- Jul 4, 2026Listed$167,500
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 $185/sq ft; this home is listed at $113/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 108 Indian Mound Road, Satsuma, FL 32189Listed by MOMENTUM REALTY | Aug 2026 | $256,000 | $213 | 3/2 | 1,200 | 18 | 0.1 |
| 105 Oakwood Road, Satsuma, FL 32189Listed by IHEART REALTY INC | Oct 2025 | $270,000 | $236 | 3/2 | 1,144 | 52 | 0.1 |
| 140 Coolwater Avenue, Satsuma, FL 32189Listed by NON MLS (realMLS) | Jun 2026 | $174,000 | $181 | 2/2 | 960 | 1 | 0.2 |
| 130 Roberts Boulevard, Satsuma, FL 32189Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $240,000 | $185 | 3/2 | 1,300 | 129 | 0.4 |
| 115 Bellray Drive, San Mateo, FL 32187Listed by NON MLS (realMLS) | Aug 2026 | $115,000 | $102 | 2/2 | 1,124 | 0 | 0.5 |
| 105 Leisurely Avenue, Satsuma, FL 32189Listed by EAGLES WORLD REALTY, INC | Dec 2025 | $60,000 | $63 | 2/2 | 960 | 42 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: JULIES 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