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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·4 days on market

151 Yancey Circle

Satsuma, FL 32189

$94,900$103/sqftEst. $526/moMLS# 2168207
2
Beds
2
Baths
920
Sq Ft
1989
Built
—
Garage
No
Pool
FEMA Zone XNo HOA0.57 acresWaterfrontMobile Home1 story

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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

Attention Investors and Cash Buyers! Opportunity Awaits in peaceful Satsuma Florida! This property sits on a beautiful, wooded 1/2 acre site backing up to a serene man made pond, offering privacy and a great setting. The 1989 Double wide Mobile Home features: * 2 bedroom split floor plan. * Spacious 12X24 enclosed patio. * Metal Roof * 2019 A/C * Beautiful wooded surroundings * Great potential for an investor, renovation project, or a cash buyer. Cash only due to the property needs updating including kitchen cabinets and new flooring throughout, making this a great opportunity to put your own finishing touches on the home. *Sold as-is with rights of inspection. Bring your vision and turn this property into something special! Investors and Cash Buyers-Don't miss this opportunity!

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$526
Estimated total, before insurance$526/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$94,900
$18,980
Loan Term
Monthly Payment
$526
Principal & Interest: $526
Insurance (est.): $63
Estimated Total Monthly
$589
*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: Metal — year not disclosed (home built 1989)

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).

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of October 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): $382/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 7, 2026Listed$94,900

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 $174/sq ft; this home is listed at $103/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
123 Folklore Drive, Satsuma, FL 32189Listed by IHEART REALTY INCAug 2026$127,000$1122/21,134380.2
107 Musket Drive, Satsuma, FL 32189Listed by IHEART REALTY INCJul 2025$149,000$1402/21,0643340.2
203 Algonquin Street, Satsuma, FL 32189Listed by MAXREV, LLCJul 2025$65,000$902/27201730.5
102 Dalton Court, Satsuma, FL 32189Listed by MODERN REALTY OF FLORIDASep 2026$175,000$1923/2912492.1
127 Riverside Trail, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCAug 2026$169,000$1862/2910162.1
713 Hickory Nut Trail, Satsuma, FL 32189Listed by IHEART REALTY INCSep 2025$200,000$1743/21,15282.1

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$94,900
Price / Sq Ft$103
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage920
Acres0.57 acres
Year Built1989
TypeResidential
Sub-TypeMobile Home
Property ConditionFixer
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

Community Information

Address151 Yancey Circle, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionSt Johns Riverside Ests M
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size24,829.2 sq ft
Parcel Number391126823100700130
ZoningMobile Home(s)

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway
Waterfront TypePond

Interior

Interior FeaturesSplit Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Gas Oven, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Laminate
# of Stories1

Exterior

Lot DescriptionIrregular Lot, Many Trees, Wooded
Patio / PorchCovered, Front Porch, Glass Enclosed, Patio
RoofMetal
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedOctober 7, 2026
Days on Market0
Tax Amount$381.55
Tax Year2025
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG 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

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 home

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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