Active·40 days on market
140 Pine Lake Drive
Satsuma, FL 32189
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Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
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
Welcome to 140 Pine Lake Drive, a beautifully transformed home where the work has been done for you! Updates include plumbing lighting fixtures, new flooring, carpet, kitchen and appliances, cabinets plus two beautifully remodeled bathrooms with new showers. Enjoy easy-care tile floors, a handicap-accessible ramp, attached utility shed and gorgeous tiled sunroom. Relax on the backyard patio while catching a glimpse of Murphy's Creek. Located in a welcoming, golf-cart-friendly adult community with a sparkling pool, clubhouse, storage area, boat ramp and marina, where boat slips are available to lease for only a small monthly fee. Community access to Murphy's Creek leads to the beautiful St. Johns River and navigable waterways to the Atlantic Ocean. Move in and start enjoying the Florida lifestyle!
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.
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 1990)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,622 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 September 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): $2,007/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 1, 2026Listed$184,999
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 $84/sq ft; this home is listed at $135/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 174 Buchanan Circle, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jul 2026 | $91,000 | $84 | 3/2 | 1,088 | 136 | 0.3 |
| 118 Hermits Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Jun 2026 | $107,000 | $70 | 3/2 | 1,528 | 0 | 0.3 |
| 104 Cody Drive, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Aug 2026 | $67,500 | $70 | 3/2 | 960 | 31 | 0.4 |
| 149 Lake Margo Drive, Satsuma, FL 32189Listed by REAL BROKER LLC | Jul 2026 | $250,000 | $180 | 3/2 | 1,389 | 111 | 0.4 |
| 107 Krantz Road, Palatka, FL 32177Listed by IHEART REALTY INC | May 2025 | $60,000 | $34 | 3/2 | 1,755 | 4 | 1.5 |
| 117 Bumpy Lane, Palatka, FL 32177Listed by IHEART REALTY INC | Jul 2026 | $151,000 | $117 | 2/2 | 1,296 | 74 | 1.8 |
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: DUCK REALTY 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.
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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