$1,249,000
129 RIVER Road, Satsuma, FL 32189, Satsuma, FL 32189
Saratoga Harbor
- Price
- $1,249,000
- Beds / Baths
- 4 / 3
- Living area
- 1,864 sqft
- Year built
- 1998
- Type
- Residential
- Lot
- 0.29 ac
- Garage
- 2
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 5
$670/sqft asking, vs a $158/sqft median across 106 closed sales in 32189 over the last 12 months — 325% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Experience elevated Florida waterfront living in this exceptional riverfront residence offering 80 feet of prime frontage on the St. Johns River. Set on a high-and-dry lot, this custom home blends refined craftsmanship with resort-style amenities for an effortless indoor-outdoor lifestyle. The spacious open-concept design includes four bedrooms, two-and-a-half baths, and a dedicated office. Quality details appear throughout: plantation shutters, crown molding, coquina exterior, and an attached garage. A newly updated kitchen anchors the living spaces, flowing into a fireplaced family/living room, den, and separate dining area. French doors open to a private, fully screened pool and spa oasis with two gas fire pits and lush tropical landscaping, an inviting setting for quiet evenings or entertaining. The waterfront package is complete with new dock, deck, and boathouse featuring two new lifts, an upper sundeck, and a poured concrete bulkhead. Furnishings and boat are available. The home has many features and upgrades that are available on an attached list as well as the community restrictions. There is no mandatory HOA.
What to check on this one
- Verify flood zone designation—get FEMA map and elevation certificate for St. Johns River waterfront.
- Confirm roof age and get 4-point inspection; home is 28 years old.
- Review bulkhead, dock, boathouse permits and county riparian/waterfront compliance.
- Inspect plumbing type (polybutylene/cast-iron common in 1998); get service records.
- Verify new dock/lift permits, lien status, and maintenance bond requirements.
- Confirm pool/spa permits, equipment age, and annual inspection compliance status.
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
Loan $999,200 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 IHEART REALTY INC. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 2:37 PM.
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