109 LUCAS STREET, SATSUMA, FL, 32189
Active254 days on marketListed Nov 22, 2025MLS #O6362435
About this home
109 LUCAS STREET
Discover the perfect spot to bring your vision to life with this versatile 0.25-acre residential parcel in the heart of Putnam County. Offering 80 feet of road frontage, this property provides easy access and excellent flexibility for your future plans—whether you're ready to build now or invest for later. Zoned for residential use, the lot allows for both site-built and manufactured homes, making it an ideal option for a variety of buyers. Enjoy the peaceful surroundings while still being conveniently located near local amenities. Property Highlights: * 0.25-acre lot * Residential zoning * 80 feet of road frontage * Site-built or manufactured homes permitted Why You’ll Love It: * Great opportunity for a homesite or investment * Quiet, growing area in Putnam County * Easy access for development * Plenty of space to create your ideal setup Whether you're planning your dream home or looking to expand your investment portfolio, this property offers the potential and flexibility you’ve been searching for. Don’t miss your chance to make it yours!
Facts & features
The home at a glance
0.25 ac
Lot size
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.
$266 /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
$266/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.
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
$131K → $454K
Satsuma median sold, yr/yr
93.4%
Sale-to-list ratio (12 mo)
Median sold price, Satsuma, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the SATSUMA 32189 median. See the full Satsuma market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 LUCAS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$95,000
110 PHEASANT ROAD · same community
2 bd · 2 ba · 784 sqft · $121/sqft · 13 DOM
Sold · May ’26$39,900
112 IVANHOE DRIVE · same community
2 bd · 2 ba · 784 sqft · $51/sqft · 4 DOM
Sold · Apr ’26$185,000
106 LAKE CIRCLE · same community
3 bd · 2 ba · 1,140 sqft · $162/sqft · 0 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 109 LUCAS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 LUCAS STREET — 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
109 LUCAS STREET FAQs
What would the monthly payment be for 109 LUCAS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $266/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 109 LUCAS STREET?+
The most recent tax bill on record (2024) was $51. 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 $16,000, this home is listed about 93% below the Satsuma median of $241,500. The market section on this page shows how the area is trending.
Which schools are assigned to 109 LUCAS STREET?+
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
01Under the SATSUMA 32189 market on paper
$16,000 is 16% below the SATSUMA 32189 median of $18,950.
02Time on market is leverage
254 days on market against a Satsuma median of 18 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $19,500, now $16,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Sascha Davis. MLS #O6362435.
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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