155 FRAN LANE, SATSUMA, FL, 32189
Active176 days on marketListed Jan 29, 2026MLS #FC315730
About this home
155 FRAN LANE
3.25± acres on Dunns Creek offering privacy and waterfront access in a peaceful natural setting. The property includes a dock renovated in 2022 with an electric boat lift and a small lockable storage room, along with two (2) 30-amp electric hookups and an artesian flowing well. Zoned R-2, which allows for conventional homes, modular homes, or mobile homes. Approximately 0.50± acres of uplands, with the remaining acreage consisting of wetlands that enhance the property’s Old Florida character, provide natural privacy, and create a quiet, undisturbed backdrop. Dunns Creek connects Crescent Lake to the St. Johns River and offers excellent fishing, shrimping, and boating, with a short boat ride to multiple waterfront restaurants, including the popular local hangout Renegades. Crescent Lake and the Palatka area are well known for world-class bass fishing and regularly host major tournaments. Centrally located between Crescent Lake and the St. Johns River, approximately 15 minutes south of Palatka and about 45 minutes to St. Augustine. Buyer to verify all information and conduct their own due diligence regarding zoning, land use, utilities, and intended use.
Facts & features
The home at a glance
3.25 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.
$2,378 /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
$2,378/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
$130K → $454K
Satsuma median sold, yr/yr
92.6%
Sale-to-list ratio (12 mo)
Median sold price, Satsuma, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1635% above the SATSUMA 32189 median. See the full Satsuma market guide →
Paper trail
This home's history
Reality check
What actually sold near 155 FRAN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$40,000
116 WATEROAK ROAD
2 bd · 1 ba · 576 sqft · $69/sqft · 241 DOM
Sold · Oct ’25$78,000
202 CLEARWATER ROAD
2 bd · 2 ba · 960 sqft · $81/sqft · 39 DOM
Sold · Apr ’26$174,000
140 COOLWATER
2 bd · 2 ba · 960 sqft · $181/sqft · 60 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 155 FRAN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 155 FRAN LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
155 FRAN LANE FAQs
What would the monthly payment be for 155 FRAN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,378/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 155 FRAN LANE?+
The most recent tax bill on record (2025) was $4,206. 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 $295,000, this home is listed about 10% above the Satsuma median of $268,000. The market section on this page shows how the area is trending.
Which schools are assigned to 155 FRAN LANE?+
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
$295,000 runs 1635% above the SATSUMA 32189 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
176 days on market against a Satsuma median of 26 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of GREAT EXPECTATIONS REALTY · Amanda Edwards. MLS #FC315730.
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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