127 River Road, Satsuma, FL 32189
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
127 RIVER Road in Saratoga Harbor, Satsuma is listed at $1,049,500 (2,191 sq ft, about $479 per sq ft). That is 142% above Saratoga Harbor's median closed sale of $433,000 over the last 12 months (2 recorded sales). Per square foot it is above the community's recent $220/sq ft by about 118%. It has been listed May 3, 2026. Listing facts: built in 2001, a private pool, waterfront, HOA dues of $18/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2001 · 25 yrs
- 2,191 sq ft of living area
- 2-car garage
- Listed at $1,049,500 — recent neighborhood median sale price ~$433,000 (nearby sales; deemed reliable, not an appraisal)
- listed May 3, 2026
- HOA $18/mo (per listing)
About this home
Experience refined riverfront living at 127 River Road in Satsuma, where timeless craftsmanship meets the natural beauty of the St. Johns River--an internationally recognized destination known for world-class bass fishing. This exceptional residence showcases elegant architectural details, including 8 ft doors, fluted trim, crown molding, and rich oak hardwood floors throughout.
The dining room is highlighted by a sophisticated slope-tray ceiling, while the inviting living space features a gas-burning fireplace. The chef's kitchen is thoughtfully appointed with a SubZero refrigerator, Dacor cooktop, Thermador hood, and flows seamlessly into a spacious butler's pantry. Outdoor living is equally impressive with a screened pool and spa, expansive deck, and private boathouse--ideal for enjoying the waterfront lifestyle.
A large screened porch with roll-down shades offers year-round comfort. This property also presents excellent potential as a luxury short-term rental or second home retreat Property Highlights: " Direct St. Johns River frontage in a globally recognized bass fishing destination " Area attracts anglers from around the world for trophy largemouth bass " Private dock and covered boathouse for immediate water access " Expansive outdoor deck ideal for entertaining or relaxing Outdoor Living: " Screened-in pool and hot tub for year-round enjoyment " Large screened porch with roll-down shades for comfort and privacy " Beautiful waterfront setting with mature landscaping Interior Features: " 8-foot interior doors throughout " Elegant fluted crown molding and detailed trim work " Real oak hardwood floors " Slope-tray ceiling in dining room " Gas-burning fireplace in main living area Kitchen & Entertaining: Premium appliances including: " Sub-Zero refrigerator " Dacor cooktop " Thermador hood " Functional layout with ample storage " Large butler's pantry Lifestyle & Investment Opportunity: " Ideal for boating, fishing, and waterfront entertaining " Located in a destination known for world-class bass fishing tournaments and recreation " Strong appeal as a vacation home or potential short-term rental (VRBO/Airbnb)
All 59 photos
Description provided by INI REALTY and reproduced from the MLS; not independently verified.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Directional estimate — built from 3 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); the Putnam County 2025 tax roll just value ($579,880) × the local sale-to-roll ratio of 8 nearby sales.
Track record: across 2,796 recent closed sales we scored, the closed price landed inside the Messtimate range 56% of the time; median miss 9.2% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-03.
Actual list price: $1,049,500 ($479/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 33% spread on the same house — here is what a model can't see:
- Condition & updates — a 2001 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — this home carries HOA dues of $18/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 3 active listings competing
- ≈24.0 months of supply
- 2 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (3) + tax-roll just value × local sale-to-roll ratio (8 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 3, 2026.
Comparable recent sales
3 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 3 sales: $433,000 ($220/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $5,722/mo 75%
- Taxes $1,406/mo 18%
- Insurance $459/mo 6%
- HOA $18/mo 0%
$7,605/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Putnam County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 127 River Road
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $8,925/yr (certified county roll, taxable value × millage). Buy at the asking price of $1,049,500 and the first-year bill resets to about $16,875/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.89 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| HOA dues | $18/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Putnam County is $1,345/yr (550 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $4,000–$8,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote). |
| Roof and age | Built in 2001. An original roof would be about 25 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Estimated carrying cost at the asking price, before the mortgage: about $1,536/month (tax $1,406, HOA $18, insurance $112). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Natural hazard risk
FEMA National Risk Index for Putnam County, FL: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Saratoga Harbor market
How this home is priced against recent nearby sales, and where Saratoga Harbor has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Saratoga Harbor
Each dot is a closed sale since 2001 (35 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2019–2021. This home lists at $479/sq ft.
Median sale price by year
12-month median closed price, 2019–2021.
This home’s history
- 2001BuiltPer public record
- About May 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about May 3, 2026)
- Jul 2, 2026First seen on movewithmomentum.comObserved at $1,099,500
- Sep 29, 2026Price cut$1,049,500 (-$50,000, -4.5%)
- Sep 30, 2026Price increase$1,099,500 (+$50,000, +4.8%)
- Oct 25, 2026Price cut$1,049,500 (-$50,000, -4.5%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Momentum Property Score
40/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 24.0 months of supply in the surrounding market and 184 days on market for this home, against a 67-day area median.Days on market:this home 184Area median: 67 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of November 1, 2026.
🟡 Asking $479 per square foot, about 118% above the community’s $220 median. Saratoga Harbor’s 12-month median sold price per square foot is $220. Confidence: Low · 2 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
28% of homes in Saratoga Harbor are owner-occupied. An estimated 72% are non-owner-occupied, including 10% held in a company or trust and 26% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 80 homes matched. Community-level context.
What’s unique here: one of only 4 active listings in Saratoga Harbor, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by INI REALTY · MLS # 2143180
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More on Saratoga Harbor
Go deeper on Saratoga Harbor
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Putnam County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
- Funky Gator Flea Market 6 min
Dining
- Mema's Family Restaurant 2 min
Shopping
- Palatka Marketplace 25 min
Parks
- Murphy Creek Conservation Area 3 min
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 127 RIVER Road, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2001 (25 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $18/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Putnam County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,191 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $16,875/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,950 more per year than the current owner’s estimated bill (+89%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: November 3, 2026) |
| Comparable sales | realMLS closed sales within about 3 miles, last 18 months, as of November 1, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 127 RIVER Road and when was it built?
Per the listing record, 127 RIVER Road was built in 2001 and has 2,191 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 127 RIVER Road in?
127 RIVER Road is in Saratoga Harbor in Satsuma, Putnam County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 127 RIVER Road have an HOA, and how much are the dues?
The listing reports HOA dues of $18 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 127 RIVER Road differ from the current owner's?
The estimate on this page (about $16,875 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,950 more per year than the current owner’s estimated bill (+89%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 127 RIVER Road in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 127 RIVER Road in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.
Estimates, methodology & disclaimers
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.