Active·27 days on market
129 River Road
Satsuma, FL 32189
About this home
Satsuma
Experience elevated Florida waterfront living in this exceptional riverfront residence offering 80 feet of prime frontage on the St. Johns River. Set on a high-and-dry lot, this custom home blends refined craftsmanship with resort-style amenities for an effortless indoor-outdoor lifestyle. The spacious open-concept design includes four bedrooms, two-and-a-half baths, and a dedicated office. Quality details appear throughout: plantation shutters, crown molding, coquina exterior, and an attached garage. A newly updated kitchen anchors the living spaces, flowing into a fireplaced family/living room, den, and separate dining area. French doors open to a private, fully screened pool and spa oasis with two gas fire pits and lush tropical landscaping, an inviting setting for quiet evenings or entertaining. The waterfront package is complete with new dock, deck, and boathouse featuring two new lifts, an upper sundeck, and a poured concrete bulkhead. Furnishings and boat are available.
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 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: Metal — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (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: ~1,736 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:17 AM, sunset 7:19 PM.
- 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.
- 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.
- 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): $8,413/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 29, 2026Listed$1,249,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE FIELDS GROUP REALTY
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 Saratoga Harbor
For Sale301 Saratoga DriveSatsuma, FL 32189
3 bd · 3 ba · 3,006 sq ft
$1,250,000Est. $6,653/moExperience the perfect blend of waterfront luxury and income potential in this unique Key West Inspired, thoughtfully…
Listing Office: christie's international real estate first coast
For Sale127 River RoadSatsuma, FL 32189
3 bd · 2 ba · 2,191 sq ft
$1,099,500Est. $5,852/moExperience refined riverfront living at 127 River Road in Satsuma, where timeless craftsmanship meets the natural…
Listing Office: ini realty
For Sale215 Saratoga DriveSatsuma, FL 32189
2 bd · 2 ba · 1,344 sq ft
$169,500Est. $902/moImagine waking up to the serene beauty of a lakefront mobile home, complete with an enclosed porch and deck that opens…
Listing Office: coldwell banker ben bates inc
Keep looking
Similar homes in Satsuma
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
Open Houses
9/26/2026
11:00 am - 2:00 pm