
301 SARATOGA DRIVE, SATSUMA, FL, 32189
Active280 days on marketListed Oct 18, 2025MLS #FC313517
About this home
301 SARATOGA DRIVE
Experience the perfect blend of waterfront luxury & income potential in this unique Key West Inspired luxury custom home. The primary residence boasts 2BD/2BA, & features open-concept living w/ sun-drenched windows, hardwood floors & 10-foot ceilings. A 2-sided see-through gas fireplace anchors the main living space, offering warmth & elegance, a large chef’s dream kitchen w/ plenty of storage, granite countertops, KraftMaid cabinetry, double ovens, soft-close drawers & doors. Finish your day of boating & fishing w/ a therapeutic bath in the oversized jetted tub paired w/ a fireplace. The Primary en-suite features an oversized walk-in shower, heated towel rack, & custom vanities. Please see Features & Benefits sheet under the documents page. Versatile Second Unit: On the lower level, a separate, fully contained & equipped, 1BD/1BA apartment w/ its own luxury kitchen w/ premium cabinetry & quartz countertops, full bathroom & a large bedroom. The private entrance makes this a perfect space for extended family, extra rental income or even a home office. Carefully designed & impeccably constructed, this residence exudes sophistication, strength, & style. 3,006 sqft of living space, plus 536 sqft of unfinished a/c attic, this 3-bedroom, 3-bathroom home showcases ICF (Insulated Concrete Form) construction, steel-reinforced & concrete-filled for unmatched durability, energy efficiency, & 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 countertops in the main kitchen • Soft-close cabinetry in both kitchens • Tall 8-inch baseboards & custom wood crown molding • Bullnose drywall corners • Abundant natural light • Elevator shaft (currently dual pantries), pre-plumbed & ready for an 8-foot elevator • Climate-controlled hurricane/panic room for safety & 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 wraparound porch w/ water views of spring-fed Lake Saranac, the St. Johns River, & the neighborhood Harbor, while listening to the tranquil sounds of the waterfall. Depart from your private dock,w/ a 12,000-lb elevator boat lift & enjoy endless days of fishing the St. Johns River, hanging out at the sandbars or a day of swimming in the clear waters of Salt Springs & Silver Glen. The Seller is open to sell the additional waterfront lot 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 w/in a desirable, quiet waterfront neighborhood, w/ 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.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,006
Sqft
0.36 ac
Lot size
1
Garage
2008
Year built
Two
Levels
$416
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.
$7,833 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,833/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Satsuma actives
$416 vs $187
Days on market
280 vs 26 typical
Where $416/sqft sits among the 11 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 11
Satsuma actives have cut their price
Median sold price, Satsuma, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6844% above the SATSUMA 32189 median. See the full Satsuma market guide →
Paper trail
This home's history
Reality check
What actually sold near 301 SARATOGA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$225,000
225 FOLKLORE DRIVE
4 bd · 2 ba · 2,280 sqft · $99/sqft · 144 DOM
Sold · Oct ’25$130,000
364 COUNTY ROAD 309
4 bd · 2.5 ba · 1,890 sqft · $69/sqft · 116 DOM
Sold · Nov ’25$145,000
111 RALEIGH AVENUE
4 bd · 2 ba · 1,890 sqft · $77/sqft · 271 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 301 SARATOGA DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 301 SARATOGA DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
301 SARATOGA DRIVE FAQs
What would the monthly payment be for 301 SARATOGA DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,833/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 301 SARATOGA DRIVE?+
The most recent tax bill on record (2024) was $5,513. 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 $1,250,000, this home is listed about 366% above the Satsuma median of $268,000. The market section on this page shows how the area is trending.
Which schools are assigned to 301 SARATOGA 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.
The brief
Three things that matter here
01Positioned at the premium end
$1,250,000 runs 6844% above the SATSUMA 32189 median — but at 3,006 sqft it's also nearly twice the size of the typical Satsuma listing.
02Time on market is leverage
280 days on market against a Satsuma median of 26 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $1,299,000, now $1,250,000 — a $49K cut. The full history is in the market section below.
Listing courtesy of CHRISTIE'S INTERNATIONAL REAL · Lisa Benedict. MLS #FC313517.
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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