Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$1,250,000

301 SARATOGA Drive, Satsuma, FL 32189

Saratoga Harbor

Price
$1,250,000
Beds / Baths
3 / 3
Living area
3,006 sqft
Year built
2008
Type
Residential
Lot
0.36 ac
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
319

$416/sqft asking, vs a $158/sqft median across 106 closed sales in 32189 over the last 12 months — 164% above the area's closed prices. Condition and lot vary; that's what a showing is for.

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. Versatile Second Unit: On the lower level, a separate, fully contained and equipped, beautiful 1BD/1BA apartment. The apartment features its own luxury kitchen with premium cabinetry and quartz countertops, full bathroom and large bedroom. The private entrance makes this a perfect space for extended family, extra rental income or even a home office. Thoughtfully designed and impeccably constructed, this residence exudes sophistication, strength, and style. Spanning 3,006 square feet of living space, plus 536 square feet of unfinished air-conditioned attic, this 3-bedroom, 3-bathroom home showcases ICF (Insulated Concrete Form) construction, steel-reinforced and concrete-filled for unmatched durability, energy efficiency, and peace of mind. Property Highlights: " Solid ICF (Insulated Concrete Form) construction with steel-reinforced, concrete-filled walls " One owner; original blueprints available " Versatile lower-level second unit with 1 bedroom and 1 bathroom " 8-foot solid wood and steel interior doors " ¾-inch rich cherry hardwood flooring " Granite stone countertops in the main kitchen " Soft-close cabinetry in both kitchens " Tall 8-inch baseboards and custom wood crown molding throughout " Bullnose drywall corners " Abundant natural light throughout " Elevator shaft (currently dual pantries), pre-plumbed and ready for an 8-foot residential elevator " Climate-controlled hurricane/panic room for safety and secure storage " Climate-controlled attic space (approx. 11' x 40') " Climate-controlled garage/workshop " Boat shed on dock plus large dockside storage shed " Additional plastic garden shed Outdoor living is equally captivating. Enjoy your morning coffee on the full wraparound porch with spectacular water views of spring-fed Lake Saranac, the St. Johns River, and the neighborhood Harbor, while listening to the tranquil sounds of the waterfall. Depart from your private dock, with a 12,000-lb elevator boat lift, to enjoy endless days of fishing the St. Johns River, cooling off at the nearby sandbars or a day of swimming in the crystal clear waters of Salt Springs and Silver Glen. The Seller is open to sell the additional waterfront lot located across Gibbs Road, offering a rare opportunity to expand your waterfront lifestyle or investment potential. The lot fronts spring-fed Lake Saranac, which flows directly into the St. Johns River. The parcel measures approximately 154' x 57' with approximately 45 feet of frontage on Lake Saranac, making it ideal for a separate residence for in-laws or extended family, a guest cottage, or an additional income-producing home, subject to applicable zoning and permitting. Nestled within a desirable, quiet waterfront neighborhood, with newly paved roads, this home radiates tranquility and understated luxury, the perfect blend of craftsmanship, comfort. It is a rare opportunity to own a home built for a lifetime. Schedule your private tour today.

What to check on this one

  • Verify roof age and condition; 18 years old may trigger insurer scrutiny soon.
  • Obtain flood zone designation and elevation certificate for waterfront Satsuma property.
  • Confirm separate electrical/plumbing meters and legal status of in-law apartment for rental.
  • Review as-built survey and verify setbacks/easements for waterfront lot compliance.
  • Get 4-point inspection (roof, HVAC, plumbing, electrical) before closing.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$6,486/mo
Property tax (1.1% eff., Putnam Co.)$1,146/mo
Homeowners insurance (est.)$729/mo
All-in monthly (est.)$8,361/mo

Loan $1,000,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST. Data via realMLS (Northeast Florida MLS), updated Aug 12, 2026, 2:54 PM.

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. Information is deemed reliable but not guaranteed.