123 MAGNOLIA DRIVE, SATSUMA, FL, 32189
Active6 days on marketListed Jul 24, 2026MLS #FC320195
About this home
123 MAGNOLIA DRIVE
Discover the perfect blend of peaceful country living and modern convenience in this cozy home located in the heart of St. Johns Riverside Estates. Whether you're looking to expand your investment portfolio or purchase a place to make your own in the future, this property offers exceptional value on a spacious lot with no HOA. Inside, you'll find an open-concept layout that seamlessly connects the living room, dining area, and kitchen, creating a functional space for everyday living. The kitchen features ample cabinetry, generous counter space, and a practical design that's ideal for everyday meal preparation and entertaining. The primary suite includes a walk-in closet and private en-suite bath, complemented by two additional bedrooms and a second full bathroom. Step outside to an oversized yard with plenty of room for outdoor entertaining, gardening, pets, or parking your boat, RV, etc. Residents of St. Johns Riverside Estates enjoy access to a nearby community boat ramp just seconds away, offering quick, convenient access to the St. Johns River for boating, fishing, and exploring one of Florida's most scenic waterways. Conveniently located between Palatka, Crescent City, and the historic attractions and nearby beaches of St. Augustine and Flager, this property offers the tranquility of country living with easy access to shopping, dining, and everyday conveniences. Currently tenant-occupied, this property presents an excellent opportunity for investors seeking immediate rental income or buyers looking to secure a newer home to live in. With its spacious lot, convenient location, and access to the St. Johns River, this property is one you won't want to miss.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.34 ac
Lot size
2022
Year built
One
Levels
$197
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,122 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,122/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−2.9%
$/sqft vs Satsuma actives
$197 vs $187
Days on market
6 vs 26 typical
Where $197/sqft sits among the 13 Satsuma actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Satsuma
Get to know Satsuma. See the full Satsuma guide →
SATSUMA 32189 — neighborhood snapshot
Population
5,527
Median age
53.4
Median income
$42,566
Median home value
$118,200
Avg household
2.04
Households w/ children
551
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Satsuma market
$130K → $454K
Satsuma median sold, yr/yr
92.6%
Sale-to-list ratio (12 mo)
2 of 13
Satsuma actives have cut their price
Median sold price, Satsuma, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1298% above the SATSUMA 32189 median. See the full Satsuma market guide →
Paper trail
This home's history
Reality check
What actually sold near 123 MAGNOLIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$190,000
249 COUNTY ROAD 309
4 bd · 2 ba · 1,456 sqft · $130/sqft · 102 DOM
Sold · Dec ’25$47,000
602 OSCEOLA AVENUE
3 bd · 1.5 ba · 1,149 sqft · $41/sqft · 59 DOM
Sold · Oct ’25$130,000
364 COUNTY ROAD 309
4 bd · 2.5 ba · 1,890 sqft · $69/sqft · 116 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 123 MAGNOLIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 123 MAGNOLIA DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
123 MAGNOLIA DRIVE FAQs
What would the monthly payment be for 123 MAGNOLIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,122/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 123 MAGNOLIA DRIVE?+
The most recent tax bill on record (2025) was $3,413. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Satsuma?+
At $265,000, this home is listed about 1% below the Satsuma median of $268,000. The market section on this page shows how the area is trending.
Which schools are assigned to 123 MAGNOLIA DRIVE?+
Browning-Pearce Elementary School (elementary), Palatka Junior - Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY LLC (PALM COAST) · Daniel Reynolds. MLS #FC320195.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Satsuma homes, in your inbox
Like 123 MAGNOLIA DRIVE but not quite? A daily digest of every new listing in Satsuma — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →