104 EDGEWATER ROAD, SATSUMA, FL, 32189
Active2 days on marketListed Jul 21, 2026MLS #OM728882
About this home
104 EDGEWATER ROAD
Waterfront living meets endless possibilities at this charming home on a canal with direct access to Dunn's Creek and the St. Johns River! Whether you love fishing, boating, or simply relaxing by the water, this property offers the Florida lifestyle you've been dreaming of. The home features 2 bedrooms, 2 bathrooms, and two versatile flex rooms that can easily serve as additional bedrooms, home offices, hobby rooms, or guest space—giving you the flexibility to fit your needs. Recently, partially remodeled with new flooring in several rooms. Has a hookup for your RV! 2024 Hot Water Heater and plumbing, 2023 Roof, 2023 HVAC. Step outside and you'll find one of the property's standout features: a private boathouse on the canal, making it easy to launch your next adventure on the water. Spend your days boating, kayaking, or casting a line, then return home to enjoy the peaceful surroundings and beautiful water views. Located in the quiet community of Satsuma, you'll enjoy the tranquility of Old Florida while still being within easy reach of Palatka, Crescent City, shopping, dining, and everyday conveniences. Whether you're looking for a full-time residence, a weekend retreat, or an investment opportunity, this waterfront gem is ready for its next owner. Bring your boat, your fishing gear, and your imagination—this is Florida waterfront living at its best! Above ground swimming pool does not convey. Buyer and buyer's agent to verify all information.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,536
Sqft
0.28 ac
Lot size
1979
Year built
One
Levels
$148
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.
$1,750 /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
$1,750/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.
$/sqft vs ST JOHNS RIVERSIDE ESTATES
$148 vs $193
Days on market
2 vs 26 typical
Where $148/sqft sits among the 8 homes for sale in ST JOHNS RIVERSIDE ESTATES
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 8
ST JOHNS RIVERSIDE ESTATES have cut their price
Median sold price, Satsuma, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1235% above the SATSUMA 32189 median. See the full Satsuma market guide →
Paper trail
This home's history
Reality check
What actually sold near 104 EDGEWATER ROAD
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 · same community
4 bd · 2 ba · 1,456 sqft · $130/sqft · 102 DOM
Sold · Oct ’25$125,000
107 RIVERSIDE TRAIL · same community
4 bd · 2.5 ba · 1,620 sqft · $77/sqft · 118 DOM
Sold · Aug ’25$209,900
103 ALBANY COURT · same community
4 bd · 2 ba · 1,620 sqft · $130/sqft · 105 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 104 EDGEWATER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 EDGEWATER ROAD — 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
104 EDGEWATER ROAD FAQs
What would the monthly payment be for 104 EDGEWATER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,750/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 104 EDGEWATER ROAD?+
The most recent tax bill on record (2025) was $1,842. 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 $227,000, this home is listed about 15% below the Satsuma median of $268,000. The market section on this page shows how the area is trending.
Which schools are assigned to 104 EDGEWATER ROAD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$227,000 runs 1235% above the SATSUMA 32189 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Satsuma market that averages 26 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN ASSOCIATES REALTY LLC · David Moore. MLS #OM728882.
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.
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