Dunns Creek Retreat
Homes for Sale in Satsuma, FL
All 62 homes for sale in Satsuma, FL · median $237,450 · 77 homes for sale in 32189 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-10-23, 3 recorded sales closed at a median of $219,900, $166 per square foot, a median 17 days on market, sellers accepting 83% of original asking. At the median price and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $3,710 ($3,040 with the full homestead exemption).
Dunns Creek Retreat's 247 homes span a wide build era, from 1953 to 2024, with the median landing at 1988. That spread means condition drives value more than era alone: some of the stock is original-build, some is a full generation newer, and there is no standardized amenity package to anchor expectations (current MLS listings show none identified). Buyers here are pricing the individual house, not a community brand.
With homestead exemptions filed on 41.1% of homes, more than half of Dunns Creek Retreat's parcels are not owner-occupied primary residences — read that as a market with real investor and non-primary-residence participation, which tends to widen how a given property shows and how it is priced relative to its neighbors. At a median 1,216 square feet, the typical home is compact, so square footage itself becomes a lever: buyers comparing on price-per-square-foot will find genuine variance from one listing to the next.
Figures in this note are as of July 15, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Dunns Creek Retreat right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Dunns Creek Retreat market snapshot (as of October 23, 2026): the median sale price is about $220K ($166 per sq ft over the trailing 12 months of closed sales), and a median 17 days on market for closed sales.
In ZIP 32189 (Satsuma), 57 homes closed in the last 12 months at a median of $191K ($155/sq ft), up 7.4% year over year, with a median 68 days on market. Right now 16 active and 3 pending listings put supply at about 5.8 months — a buyer's market. See the live ZIP 32189 housing market and the Putnam County market.
County records show 19 qualified sales in Dunns Creek Retreat across 2024–2025 (11 in 2024, 8 in 2025), median $162,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Dunns Creek Retreat is a community of 247 homes in Satsuma, Putnam County, built between 1953 and 2024 (median 1988), with a median living area of about 1,216 square feet. 41% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Dunns Creek Retreat sits in Satsuma, Putnam County, with 247 homes built across seven decades and no shared amenity infrastructure currently reflected in MLS data — a community where the individual property, not a common package, carries the value.
Who Dunns Creek Retreat is best for.
Best for
- Buyers prioritizing land and location in Putnam County over a packaged amenity list.
- Buyers targeting a compact, roughly 1,216-square-foot footprint who are comfortable evaluating each home's condition individually.
- Investors or non-primary-residence buyers entering a market where a majority of the 247 homes are not currently homesteaded.
Probably not for
- Buyers who expect a defined amenity package; none is identified in current MLS listings.
- Buyers who want every home built in the same era; stock here ranges from 1953 to 2024.
- Buyers seeking a larger primary residence well above the 1,216-square-foot median without additional searching.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($220K) IS the median in the snapshot above.
Windows contain 1 to 6 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Putnam County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Putnam County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
18% of homes for sale in ZIP 32189 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
Schools
- Putnam County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Palatka Jr.-Sr. High School (Putnam County School District); verify by address · High
- Robert H. Jenkins Jr. Middle School (Putnam County School District); verify by address · Middle
- James A. Long Elementary School (Putnam County School District); verify by address · Elementary
Zoned schools reflect the assignments reported on recent Dunns Creek Retreat listings and can change; always confirm with Putnam County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Dunns Creek Retreat address.
The Dunns Creek Retreat buying strategy.
If we were buying in Dunns Creek Retreat today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Dunns Creek Retreat.
A wide build spread, no standardized amenity picture
The build years in Dunns Creek Retreat run from 1953 to 2024, with a median of 1988. That is not a single-phase subdivision with one uniform look and one construction vintage — it is a mixed stock where a buyer has to evaluate each home's era, condition, and any updates on their own terms rather than assuming a consistent baseline across the community. At a median 1,216 square feet, homes here also run compact, which puts real weight on how efficiently a given floor plan uses its footprint.
Current MLS listings show no identified community amenities, so there is no clubhouse, pool, or shared recreational package to factor into the comparison. Combined with a homestead share of 41.1%, meaning a majority of the 247 homes are not filed as owner-occupied primary residences, this reads as a market shaped by individual ownership decisions — some investment, some second-home, some primary — more than by a single homeowners'-association-driven identity.
The location and the amenities are priced into every listing in Dunns Creek Retreat. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with a 1953-to-2024 build spread, no standardized amenities, and a homestead share under half, there is no shortcut to comparing listings by community reputation alone — every home has to be evaluated on its own condition, updates, and ownership history. Momentum's approach is to run that comparison property by property in Putnam County, checking each home's specifics rather than leaning on assumptions the community itself does not support.
Dunns Creek Retreat in 15 seconds.
Tools for a Dunns Creek Retreat buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Dunns Creek Retreat sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Dunns Creek Retreat, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Dunns Creek Retreat home worth?
Get a no-obligation home value based on real comparable sales in Dunns Creek Retreat, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Satsuma →
| Location | Satsuma, Putnam County, FL · ZIP 32189 |
|---|---|
| Sale prices, last 12 months | $219,900 median across 3 closed sales · $166 per sq ft |
| Days on market (closed sales) | 17 median |
| Zoned public schools | Palatka Jr.-Sr. High School (Putnam County School District); verify by address; Robert H. Jenkins Jr. Middle School (Putnam County School District); verify by address; James A. Long Elementary School (Putnam County School District); verify by address |
Data as of October 23, 2026. Data provided by realMLS. Market figures describe homes, not residents. Cite as: Momentum Realty, “Dunns Creek Retreat key facts,” movewithmomentum.com/neighborhoods/dunns-creek-retreat-satsuma, data as of October 23, 2026.
Housing distress & ownership in Dunns Creek Retreat, Satsuma
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
More Satsuma home searches
- All homes for sale in Satsuma, FL
- Homes for sale in Putnam County, FL
- Satsuma waterfront homes for sale
- Homes under $300K in Satsuma
- Homes from $300K to $500K in Satsuma
- ZIP 32189 housing scorecard
Satsuma guides & data
Florida buyer guides
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Frequently Asked Questions
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Should you buy in Dunns Creek Retreat?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending October 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (8 streets, ZIP 32177/32187/32189)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (65 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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