Pending·33 days on market
139 Waterside Avenue
Satsuma, FL 32189
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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
WATERFRONT HOME + $5,000 BUYER ASSISTANCE! From the covered dock just steps from your back door, you can take a scenic boat ride down Dunns Creek to Crescent Lake OR south on the St Johns River to Lake George (the 2nd largest lake in Florida) OR north on the St Johns to Jacksonville and the Atlantic Ocean. This waterfront home has it all for the water enthusiast and is located on a dead-end road for added privacy and tranquility. Spend your evenings in the spacious screen room watching the sun set or Bar-B-Qing on the covered patio. There's a utility building with laundry facilities as well as laundry hook ups inside the home. The kitchen features a breakfast nook with an easterly exposure where you can have your morning coffee while enjoying the sun rise. Located just 25 minutes from St. Augustine, you'll enjoy easy access to its historic charm, dining, beaches and attractions. Sellers are offering $5,000 assistance toward mortgage discounts, other closing costs and concessions.
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.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 1992)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,617 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 7:01 PM.
- 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.
- 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.
- 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): $3,062/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
- Oct 8, 2026Pending$289,000
- Sep 20, 2026Price change$289,000−$3,000
- Sep 7, 2026Listed$292,000
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 $176/sq ft; this home is listed at $207/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 118 Riverside Avenue, Satsuma, FL 32189Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Sep 2026 | $185,000 | $114 | 3/2 | 1,616 | 342 | 0.2 |
| 116 Waterside Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER PREMIER PROPERTIES | Jul 2026 | $250,000 | $220 | 3/2 | 1,134 | 172 | 0.2 |
| 120 Waterway Avenue, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $285,000 | $176 | 3/2 | 1,620 | 120 | 0.3 |
| 124 Fisherman Road, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Jul 2026 | $292,000 | $253 | 2/2 | 1,152 | 2 | 0.3 |
| 226 Clearwater Road, Satsuma, FL 32189Listed by IHEART REALTY INC | Oct 2025 | $128,000 | $82 | 3/2 | 1,568 | 47 | 0.3 |
| 112 Sanjan Drive, Satsuma, FL 32189Listed by IHEART REALTY INC | Jul 2025 | $185,000 | $169 | 3/2 | 1,092 | 170 | 0.3 |
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: INTERLACHEN REALTY SERVICES, 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