Active·2 days on market
301 Saratoga Drive
Satsuma, FL 32189
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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
Experience the perfect blend of waterfront luxury and income potential in this unique Key West Inspired, thoughtfully designed, luxury, custom home. The primary residence boasts 2BD/2BA, and features an open-concept living with over-sized, sun-drenched windows, hardwood floors and soaring 10-foot ceilings. A two-sided see-through gas fireplace anchors the main living space, offering warmth and elegance from every angle, and a large chef's dream kitchen with plenty of storage, granite countertops, KraftMaid cabinetry, double ovens, and soft-close drawers and doors. Finish your perfect day of boating and fishing with a therapeutic hydrotherapy experience in the oversized jetted tub paired with a fireplace. The Primary en-suite also features an oversized walk-in shower, a heated towel rack, and custom-designed vanities. Lots of upgrades, please see Features & Benefits sheet available under the documents page.
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.
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: Metal — year not disclosed (home built 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,708 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 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): $312/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 14, 2026Listed$1,250,000
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 $115/sq ft; this home is listed at $475/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 131 Whitney Street, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Feb 2026 | $1,782,290 | $589 | 3/3.5 | 3,025 | 8 | 0.5 |
| 126 Easy Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INC | Aug 2025 | $865,000 | $316 | 3/3 | 2,737 | 206 | 1 |
| 133 Augusta Avenue, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLC | Nov 2025 | $154,397 | $81 | 4/2.5 | 1,904 | 40 | 1.1 |
| 417 2nd Avenue, Satsuma, FL 32189Listed by CW REALTY | Aug 2025 | $250,000 | $115 | 4/2 | 2,172 | 18 | 1.9 |
| 214 Baker Road, Satsuma, FL 32189Listed by MODERN REALTY OF FLORIDA | Jul 2026 | $219,500 | $96 | 4/2 | 2,280 | 67 | 2.5 |
| 117 Williams Lane, Satsuma, FL 32189Listed by IHEART REALTY INC | Aug 2025 | $200,000 | $97 | 4/2 | 2,052 | 196 | 3.3 |
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: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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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Krista Fracke
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