Pending·13 days on market
123 Folklore Drive
Satsuma, FL 32189
About this home
Satsuma
Sits on over an acre on a corner lot with a huge workshop and a cozy green house. Redone, refreshed, and ready to go! 123 Folklore Drive has had major updates, including a brand-new roof, new flooring in the bedrooms, fresh interior paint, and more improvements throughout. The home offers 2 bedrooms plus a third non-conforming bedroom, giving you flexible space for an office, guest room, hobby room, or additional sleeping area. The open kitchen offers plenty of cabinet space and flows into the main living area, making the layout comfortable and functional. Outside is where this property really stands out. A huge workshop provides plenty of room for tools, projects, equipment, storage, or all the toys, while two carports add even more covered parking and usable space. With many of the big-ticket updates already completed and hard-to-find workshop space, this Satsuma property offers plenty of room to live, work, and make it your own.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $922/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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 2014)
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: ~1,692 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 August 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
Price & status history
- Sep 1, 2026Pending$199,900
- Aug 28, 2026Listed$199,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: IHEART REALTY INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in St Johns River Ests
Active$169,900MLS# 2142131Est. $904/mo106 Wateroak Road, Satsuma, FL 321893 Beds2 Baths1,512 sqftPeaceful Living in Satsuma! Welcome to this well-maintained 2003 double wide mobile home featuring 3 bedrooms, 2…
ResidentialCOLDWELL BANKER BEN BATES INC
Active$785,000MLS# 2102617Est. $4,178/mo13880 County Road 13 N, St. Augustine, FL 320924 Beds2 Baths2,224 sqftEndless Potential on This Rare .80-Acre Riverfront Gem! This spacious 4-bedroom, 2.5-bath home offers stunning views…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
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