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Sold

Sold·Closed Aug 7, 2026·9 days on market

103 Barter Drive

Satsuma, FL 32189

$275,000sold priceListed at $280,000 · 98.2% of asking$186/sqftMLS# 2156023
3
Beds
2
Baths
1,478
Sq Ft
2022
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.09 acresSingle Family Residence1 story

About this home

Satsuma

Welcome to this 2022 Manufactured home offering 3 bedrooms, 2 bathrooms, and 1,478 sq ft of modern living on a spacious 1.09-acre corner lot. The open-concept floor plan features a bright living area, stylish finishes, and a spacious primary suite with two additional bedrooms for family, guests, or a home office. A standout feature is the impressive 1,500 sq ft steel building, perfect for a workshop, extra storage, garage, or home business. With plenty of room for hobbies, equipment, and outdoor enjoyment, this property offers the space and flexibility you've been looking for. Conveniently located near shopping, dining, and outdoor recreation, this move-in-ready home combines modern comfort with peaceful country living.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,523
Estimated total, before insurance$1,523/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,683/yr · $307/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$275,000
$55,000
Loan Term
Monthly Payment
$1,523
Principal & Interest: $1,523
Insurance (est.): $183
Estimated Total Monthly
$1,707
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,697 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 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,683/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

  • Aug 7, 2026Closed$280,000
  • Jul 27, 2026Pending$280,000
  • Jul 18, 2026Listed$280,000

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 $140/sq ft; this home is listed at $189/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
107 Musket Drive, Satsuma, FL 32189Listed by IHEART REALTY INCJul 2025$149,000$1402/21,0643340.1
114 Musket Drive, Satsuma, FL 32189Listed by IHEART REALTY INCJun 2025$260,000$1423/21,832720.1
102 Alder Lane, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCAug 2026$265,000$1553/21,715100.3
123 Folklore Drive, Satsuma, FL 32189Listed by IHEART REALTY INCAug 2026$127,000$1122/21,134380.3
207 Cabot Lane, Satsuma, FL 32189Listed by SMILEEHOUSE AUCTION CO LLCApr 2026$181,000$1263/21,440110.3
133 Augusta Avenue, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCNov 2025$154,397$814/2.51,904400.5

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

Price$280,000
Price / Sq Ft$189
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,478
Acres1.09 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address103 Barter Drive, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionHoot Owl Ridge
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size47,480.4 sq ft
Parcel Number391126823100300100

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached

Interior

AppliancesDishwasher, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

FencingFull
RoofShingle

Additional Information

Date ListedJuly 18, 2026
Days on Market9
Tax Amount$3,683.14
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 7, 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.

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