OFF MARKET

Off Market Jul 2025 for $485K

$502,837

Est. refi paymentEst. refi $2,830/mo

•

1,775

sq ft

163 Payne Rd, Satsuma, FL 32189

About this home

ENJOY THE RIVER LIFE ON THIS 4.31 ACRE CANAL FRONT HOME. SITUATED ON A PAVED ROAD, THE WATERFRONT LOCATION WELCOMES YOU TO THIS OLD FLORIDA CEDAR SHAKE CHARACTER HOME NESTLED AMONG ACRES OF NATURAL FLORIDA WILDERNESS. THE LOWER LEVEL FEATURES A 26' x 20' GARAGE, A POST AND BEAM STYLE CARPORT AND A SEPARATE 800 SF APARTMENT WITH BATH, KITCHEN AND LIVING SLEEPING AREA. THE SECOND LEVEL FEATURES A CHEF'S KITCHEN WITH UPSCALE APPLIANCES, A COZY DEN AND FIREPLACE, A BEDROOM AND BATH. THE LOFT HAS ANOTHER BEDROOM AND BEAUTIFULLY TILED BATHROOOM. THE HOME ALSO HAS MULTIPLE DECKS AND PATIOS FOR ENTERTAINING AND RELAXING. LEAVE YOUR BOAT IN THE COVERD DOCK WITH LIFT SO YOU CAN ACCESS THE RIVER IN JUST MINUTES. THIS HOUSE IS A MUST SEE!

THIS HOME HAS BEEN REMODELED INSIDE AND OUT WITH QUALITY WORKMANSHIP AND CUSTOM DESIGN. FEATURING NATURAL GAS RANGE, HOT WATER HEATER, DRYER AND COOKTOP, MINI SPLIT HVAC'S, A WOOD BURNING FIREPLACE, OUTDOOR KITCHEN WITH HUGE WRAP AROUND DECKS FOR WATCHING THE SUNSETS, CUSTOM BUILT ISLAND WITH SEATING, LVP AND HARD MAPLE FLOORING WITH CUSTOM TILE THROUGHOUT. THE COUNTER TOPS ARE MARBLE AND GRANITE. A GREAT OPPORTUNITY TO OWN A PIECE OF NAVIGABLE WATERFRONT PARADISE. Items Not included in the Sale but Negotiable are: Gas Dryers, Washer, Refrigerator and Freezer in the Garage area. Other negotiable items are The Green Egg, DCS natural gas grill and the TEC natural gas grill.

Single-familyProperty Type

1995Year Built

4.31 acresLot Size

$283Est. Price/Sq.Ft.

2 spacesParking

Listed by Beverly Sinclair • Florida Homes Realty & Mortgage

Redfin checked: a few seconds ago

•Source:St. Augustine and St. Johns County Board of REALTORS® #252972

Redfin Estimate

$502,837

$18K since sold in July 2025$9,000 since August

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 58% higher than the average sale price ($318K) of 5 comparable homes.

SOLD AUG 3, 2026
$225,000
A
3 beds2 baths1,508 sq ft
105 Troupe Rd, San Mateo, FL 32187
SOLD AUG 18, 2026
$240,000
B
3 beds2 baths1,300 sq ft
130 Roberts Blvd, Satsuma, FL 32189
SOLD JUL 7, 2026
$600,000
C
3 beds2 baths1,668 sq ft
689 S Highway17, San Mateo, FL 32187
SOLD AUG 28, 2026
$256,000
D
3 beds2 baths1,200 sq ft
108 Indian Mound Rd, Satsuma, FL 32189
SOLD DEC 5, 2025
$270,000
E
3 beds2 baths1,804 sq ft
109 Windmill Ct, Satsuma, FL 32189

Claim this home to receive a free report every month with insights on the changing estimate.

Earn from this home

Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$1,643/mo

Redfin rental estimate

List your home for rent

Market trends in 32189, FL

Last updated August 2026

Buyer's Market

Seller's Market

Buyer's market

Sale-to-List Price

95.9%

+0.8% MoM

Median sale price

$265K

$13K MoM

Avg. days on market

89d

79 days MoM

Recently sold homes

1 MoM

New listings for sale

$199,000
3 beds2 baths1,144 sq ft
108 Pinelake Dr, Satsuma, FL 32189
$30,000
3 beds2 baths1,272 sq ft
307 N Edgeline Rd, Satsuma, FL 32189
$292,000
3 beds2 baths1,396 sq ft
139 Waterside Ave, Satsuma, FL 32189
$184,999
3 beds2 baths1,144 sq ft
156 Lake Margo Dr, Satsuma, FL 32189
$400,000
4 beds2.5 baths3,818 sq ft
1173 S Highway 17, Satsuma, FL 32189
$184,999
2 beds2 baths1,368 sq ft
140 Pine Lake Dr, Satsuma, FL 32189
$230,000
3 beds2 baths1,296 sq ft
100 Musket Dr, Satsuma, FL 32189
See all

Provided by Redfin

Sale history for 163 Payne Rd

Date

Event

Price

St. Augustine and St. Johns County Board of REALTORS® #252972

Jul 31, 2025

Sold

$485,000

$273/sq ft

Jul 30, 2025

Pending

—

Jul 5, 2025

Contingent

—

Jun 14, 2025

Relisted

—

Jun 6, 2025

Contingent

—

May 27, 2025

Relisted

—

May 27, 2025

Contingent

—

May 17, 2025

Listed

$495,000

$279/sq ft

realMLS #1097971

May 26, 2021

Sold

$156,000

$88/sq ft

Mar 18, 2021

Pending

—

Mar 16, 2021

Relisted

—

Mar 12, 2021

Pending

—

Mar 4, 2021

Listed

$84,900

$48/sq ft

+14

Comfortable two-story home on Dunns Creek! This 3 bedroom 3 bath home has 1485 sq ft of living space and sits on a mostly wooded 4.31 acres of land with 85 feet of riverfront in front of the house. The home has an attached 2 car garage with 1 car carport, a riverside screen porch, an upstairs balcony, and a dock. The home has split bedrooms with one downstairs, one upstairs in the loft, and an in-law suite with small kitchen and bathroom on the ground floor. This property needs a little TLC but has great potential Come and See! See the attachment for PAS requirements and WFHM offer submittal information in the MLS document section.

Stellar MLS as Distributed by MLS Grid #GC442132

May 26, 2021

Sold

$156,000

$88/sq ft

Mar 4, 2021

Listed

$84,900

$48/sq ft

BACK ON MARKET Seller asking for all HIGHEST & BEST offers to be submitted by Thursday 3/18/2021.Comfortable two-story home on Dunns Creek! This 3 bedroom 3 bath home has 1485 sq ft of living space and sits on a mostly wooded 4.31 acres of land with 85 feet of riverfront in front of the house. The home has an attached 2 car garage with 1 car carport, a riverside screen porch, an upstairs balcony, and a dock. The home has split bedrooms with one downstairs, one upstairs in the loft, and an in-law suite with small kitchen and bathroom on the ground floor. This property needs a little TLC but has great potential Come and See! See the attachment for PAS requirements and WFHM offer submittal information in the MLS document section.

realMLS #1046839

Jul 9, 2020

Listing Removed

—

Jun 1, 2020

Relisted

—

May 17, 2020

Contingent

—

Apr 22, 2020

Price Changed

$139,500

$79/sq ft

Apr 15, 2020

Relisted

—

Apr 6, 2020

Contingent

—

Apr 1, 2020

Listed

$149,500

$84/sq ft

realMLS #644205

Feb 27, 2013

Sold

$137,000

$77/sq ft

Nov 21, 2012

Listed

$149,000

$84/sq ft

realMLS #509862

May 12, 2011

Listing Removed

—

Nov 12, 2009

Listed

$245,000

$138/sq ft

realMLS #402891

Apr 30, 2009

Listing Removed

—

Nov 6, 2007

Listed

$299,900

$169/sq ft

Public Records

Aug 4, 2004

Sold

$100,000

$56/sq ft

Public Records

Dec 15, 1997

Sold

$50,000

$28/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$2,695 (−0.7%)

$32,120 + $109,030

$141,150

2024

$2,713 (+3.0%)

$32,120 + $118,700

$150,820

2023

$2,636 (+11.0%)

2022

$2,375 (−21.6%)

$28,420 + $103,270

$131,690

2021

$3,029 (+5.0%)

$27,310 + $140,480

$167,790

2020

$2,884 (+68.3%)

$26,570 + $129,020

$155,590

2019

$1,714 (+0.5%)

2018

$1,706 (+0.1%)

2017

$1,704 (+3.7%)

2016

$1,643 (−1.6%)

$26,570 + $89,870

$116,440

2015

$1,669 (−4.3%)

$26,573 + $90,238

$116,811

2014

$1,744

Tax history for 163 Payne Rd

Year

Property tax

Land + Additions

Assessment*

2025

$2,695 (−0.7%)

$32,120 + $109,030

$141,150

2024

$2,713 (+3.0%)

$32,120 + $118,700

$150,820

2023

$2,636 (+11.0%)

2022

$2,375 (−21.6%)

$28,420 + $103,270

$131,690

2021

$3,029 (+5.0%)

$27,310 + $140,480

$167,790

2020

$2,884 (+68.3%)

$26,570 + $129,020

$155,590

2019

$1,714 (+0.5%)

2018

$1,706 (+0.1%)

2017

$1,704 (+3.7%)

2016

$1,643 (−1.6%)

$26,570 + $89,870

$116,440

2015

$1,669 (−4.3%)

$26,573 + $90,238

$116,811

2014

$1,744

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Beds

Baths

Stories

—

Lot width

—

Lot depth

—

Lot size

4.31 Acres

Year renovated

1995

Sq. Ft.

800

Year built

1995

Style

Single Family Residential

County

Putnam County

APN

36-10-26-0000-0010-0110

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 10, 2026.

Property details

Parking

Parking Information
2 Car Carport

Interior

Bedroom Information
Master Bedroom Level: 2

Bathroom Information
# of Baths: 3
Master Bath: Shower Only

Interior Features
Flooring: Tile, Wood, Other-See Remarks

Room Information
Additional Room: Level 1
Dining Type: Combo

Exterior

Building Information
Construction: Composition Siding, Frame, Wood

Exterior Features
Bulkhead, Community Dock, Fireplace, In-Law Suite, Well
Has Dock
Roof: Metal/Tin, Shingle

Lot Information
Acreage: 1+ Acres
Acres: 4.31
Lot/Land Type: Cul-de-Sac, Paved
Lot Size: 4.31 Acres
Source of Measurement: Appraisal
Waterfront Type: Canal Front
On Waterfront
Low Tide Depth: 3-6 Feet

Property Information
Entry Level: 2nd Story
Entry Level: 2nd Story, Ground Level
Other Sq.Ft.: 540
Personal Propery: Ceiling Fans, Chandelier, Dishwasher, Disposal, Garage Door, Microwave, Range, Refrigerator, Window Treatments, Water Softener
Substructure: Slab

Financial

Tax Information
Tax Year: 2024
Taxes: $2,713

Utilities

Heating & Cooling
Heating: Electric
Air Conditioning: Central, Electric

Utility Information
Waste: Septic
Water: Well

Location

School Information
Elementary School: Browning-Pearce Elementary School
High School: Palatka High School

Location Information
Directions: US17 SOUTH FROM PALATKA TO PAYNE RD. FOLLOW THE PAVED ROAD TO THE END THROUGH THE GATE TO 163 PAYNE RD.
Location: Water Front

Public facts

Beds: 2
Baths: 1.0
Sq. Ft.: 800
Stories: —
Lot Size: 4.31 acres
Style: Single Family Residential
Year Built: 1995
Year Renovated: 1995
County: Putnam County
APN: 36-10-26-0000-0010-0110

Home facts updated by county records on Jul 10, 2026

Around this home

Schools

Browning-Pearce Elementary School

Public K-6 • Assigned • 3.0mi

4/10

Palatka High School

Public 7-12 • Assigned • 5.0mi

3/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

10/10 Flood Factor

Estimated 80%+ chance of a flood reaching the building in the next 30 years

3/10 Fire Factor

0.31% chance of being in a wildfire in next 30 years

8/10 Heat Factor

7 days above 108° expected this year, 20 days in 30 years

9/10 Wind Factor

99% chance of strong winds in next 30 years

2/10 Air Factor

2 unhealthy days expected this year, 2 days in 30 years

Provided by First Street

Historical weather

Satsuma, FL • 32189

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9 hours in June and 6.2 hours in December, placing it above the U.S. average for solar exposure.

9 hrs

6.2 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$478,000 – $579,000

Sell confidently with a local market expert in Satsuma. 3 minutes to get started.

Nearby similar homes

$35,000

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New listings for sale in 32189

$199,000

3 beds2 baths1,144 sq ft

108 Pinelake Dr, Satsuma, FL 32189

$30,000

3 beds2 baths1,272 sq ft

307 N Edgeline Rd, Satsuma, FL 32189

$292,000

3 beds2 baths1,396 sq ft

139 Waterside Ave, Satsuma, FL 32189

$184,999

3 beds2 baths1,144 sq ft

156 Lake Margo Dr, Satsuma, FL 32189

$400,000

4 beds2.5 baths3,818 sq ft

1173 S Highway 17, Satsuma, FL 32189

$184,999

2 beds2 baths1,368 sq ft

140 Pine Lake Dr, Satsuma, FL 32189

$230,000

3 beds2 baths1,296 sq ft

100 Musket Dr, Satsuma, FL 32189

Home values near 163 Payne Rd

Data from public records.

Address	Redfin Estimate
155 Payne Rd, Satsuma, FL 3 Beds \| 2 Baths \| 1568 Sq. Ft.	$212,211
147 Payne Rd, Satsuma, FL 2 Beds \| 1 Baths \| 1092 Sq. Ft.	$195,525

Address	Redfin Estimate
161 Payne Rd, Satsuma, FL 1 Beds \| 1.5 Baths \| 960 Sq. Ft.	$180,710
157 Payne Rd, Satsuma, FL - Beds \| - Baths \| 960 Sq. Ft.	$135,808

Address	Redfin Estimate
153 Payne Rd, Satsuma, FL - Beds \| - Baths \| 728 Sq. Ft.	$93,026
159 Payne Rd, Satsuma, FL 2 Beds \| 1 Baths \| 1113 Sq. Ft.	$144,216

Property information provided by St. Augustine and St. Johns County Board of REALTORS® when last listed in 2025. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 32189, FL

Sale history for 163 Payne Rd

Tax history for 163 Payne Rd

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 32189

Home values near 163 Payne Rd

More real estate resources