Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active Under Contract

Active Under Contract·106 days on market

643 E State Road 100

San Mateo, FL 32187

$525,000$249/sqftEst. $2,699/moMLS# 2116681

Beds

Baths

2,112

Sq Ft

2011

Built

—

Garage

Pool

About this home

San Mateo

Beautiful, well-crafted modern farmhouse on 5.58± acres of established grassy pastures with a few large oak trees and planted pines along one border, offering the quiet freedom of country living with no HOA and room for horses, homesteading, or simply space to breathe. Surrounded by large parcels for added privacy, the land is mostly fenced with classic 3-board fencing and sits off a paved road with a newly resurfaced shared gravel driveway. Inside offers an inviting open-concept layout with durable tile and LVP flooring. The kitchen features a commercial-grade gas flat-top cooktop and oversized walk-in pantry. The primary suite includes two large walk-in closets, a soaking tub, and separate shower. Recent upgrades include new Hardie board siding and exterior paint (2025) and a new septic system (2024). The home has remained on the market longer than expected due to missing permits; the seller is now retroactively pulling permits, opening the door to traditional financing.

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,699

Principal & Interest: $2,699

Insurance (est.): $350

Estimated Total Monthly

$3,049

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$2,699

Estimated total, before insurance$2,699/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,692/yr · $224/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,692/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 2011)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,676 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History