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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 Under Contract

$389,900Active Under Contract3 bd · 2 ba · 1,232 sq ft

Active Under Contract·19 days on market

108 Ingraham Drive

Satsuma, FL 32189

$389,900$316/sqftEst. $2,126/mo mortgageMLS# 2170273
3
Beds
2
Baths
1,232
Sq Ft
2006
Built
2
Garage
Yes
Pool
FEMA Zone XHOA $25/mo0.46 acresSingle Family Residence1 story

See it this week

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

Boaters, hobbyists, and RV owners - this one checks every box! This elegantly updated 3 bed, 2 bath home sits on a double lot and includes a covered boat slip with electric lift in the private community marina, offering direct access to the St. Johns River. Inside, the gourmet kitchen features soft close cabinets with pull out shelving & quartz tops, stainless appliances, an induction convection range, and a solar tube for abundant natural light. High quality laminate flooring runs throughout, bathrooms renovated, & a new AC (2022) with whole-home Air Scrubber (2026). Outside, relax in the screened lanai with a dual zone swim spa and hot tub, or dive into your hobbies with a 24×30 workshop (oversized door, LED lighting, dust collection system), a 16×30 motorhome carport with 30 amp hookup, a detached single car garage, & 2 storage sheds. Additional upgrades include a Generac whole-home generator, tankless water heater, irrigation system, newer metal roof, & a private well.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,126
HOAbilled annually$25
Estimated total, before insurance$2,151/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,692/yr · $224/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$389,900
$77,980
Loan Term
Monthly Payment
$2,126
Principal & Interest: $2,126
Insurance (est.): $260
Estimated Total Monthly
$2,386
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 2006)

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: ~1,581 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

Northwest-facing backyard — summer sunsets, gentle days

The listing reports the home facing southeast, which puts the backyard and pool on the northwest side. Today at this address: sunrise 6:47 AM, sunset 5:34 PM.

  • The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
  • Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.

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): $2,692/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

  • Nov 3, 2026Active Under Contract$389,900
  • Oct 21, 2026Listed$389,900

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 $161/sq ft; this home is listed at $316/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
215 Saratoga Drive, Satsuma, FL 32189Listed by TIMBER TO TIDES REALTY LLCJan 2026$155,000$1152/21,34440.2
325 Saratoga Drive, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCJun 2026$600,000$5002/21,20000.3
301 Hamilton Road, Satsuma, FL 32189Listed by COLDWELL BANKER BEN BATES INCFeb 2026$150,000$1642/19121550.5
209 Hamilton Road, Satsuma, FL 32189Listed by DUCK REALTY INCSep 2025$148,900$1413/21,0561460.5
140 Yancey Circle, Satsuma, FL 32189Listed by CENTURY 21 TRITON REALTYOct 2025$130,000$883/21,4721080.6
118 Frontier Drive, Satsuma, FL 32189Listed by LPT REALTY LLCJul 2025$156,000$1612/2968300.7

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$389,900
Price / Sq Ft$316
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,232
Acres0.46 acres
Year Built2006
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive Under Contract
# of Garages2
# of Carport Spaces1
Has PoolYes
Pool FeaturesAbove Ground, Screen Enclosure
Is WaterfrontNo
Direction FacesSoutheast

Community Information

Address108 Ingraham Drive, Satsuma, FL 32189
Area581-Satsuma/Hoot Owl Ridge
SubdivisionSaratoga Harbor
CitySatsuma
CountyPutnam
StateFL
Zip Code32189
Lot Size20,037.6 sq ft
Parcel Number391126846101100220

Amenities

AmenitiesBoat Slip, Clubhouse
UtilitiesElectricity Connected, Natural Gas Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached, Detached Carport, Garage, Off Street, RV Access/Parking

Interior

Interior FeaturesSolar Tube(s)
AppliancesConvection Oven, Dishwasher, Dryer, Freezer, Induction Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Heat Pump
CoolingCentral Air, Split System
FlooringLaminate
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
Spa FeaturesPrivate

Exterior

Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofMetal
ConstructionFiber Cement
Other StructuresShed(s), Workshop
Road SurfacePaved

Additional Information

Date ListedOctober 21, 2026
Days on Market19
HOA Fees$300 / Annually
HOA FrequencyAnnually
HOA NameSaratoga Harbor Property Owners Association, Inc.
HOA Fee IncludesMaintenance Grounds
Tax Amount$2,691.68
Tax Year2025
Listing TermsCash, Conventional, FHA, Private Financing Available, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER BEN BATES 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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