Sold·Closed Jul 7, 2026·118 days on market
689 S HIGHWAY17
San Mateo, FL 32187
About this home
San Mateo
Properties like this are becoming harder and harder to find. Situated on 7.71 acres, this unique 3-bedroom, 2-bath home offers the space, privacy, and freedom that so many buyers are searching for. Located just one street from the river and only a minute from Dunn's Creek Boat Ramp, this property features a wood burning fireplace, spacious kitchen, screened back porch, stocked pond with fountain and gazebo, small barn with chicken coop, 12x24 shed, artesian well, whole-home generator, and two gated entrances. The true showstopper is the impressive 30x40 three-bay garage/workshop with a half bath--perfect for storing boats, equipment, toys, or creating the ultimate workspace. Whether you're looking for a homestead or a private retreat, this one-of-a-kind property offers a lifestyle that's nearly impossible to find in today's market. Your search ends here!
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — year not disclosed (home built 1963)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,696 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,536/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.
History
Price & status history
- Jul 8, 2026Closed$645,000
- Feb 6, 2026Listed$645,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $185/sq ft; this home is listed at $387/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 104 Breezewood Circle, San Mateo, FL 32187Listed by IHEART REALTY INC | Feb 2026 | $255,000 | $135 | 3/2 | 1,890 | 298 | 0.1 |
| 137 & 135 Riverside Drive, Satsuma, FL 32189Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $475,000 | $383 | 3/2 | 1,239 | 126 | 0.2 |
| 115 Troupe Road, San Mateo, FL 32187Listed by DUCK REALTY INC | Aug 2026 | $175,000 | $93 | 2/1 | 1,888 | 273 | 0.2 |
| 130 Roberts Boulevard, Satsuma, FL 32189Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $240,000 | $185 | 3/2 | 1,300 | 129 | 0.3 |
| 100 Pickerel Avenue, Satsuma, FL 32189Listed by 1 REALTY CORP | Jul 2026 | $240,000 | $117 | 4/2 | 2,052 | 32 | 0.5 |
| 108 Indian Mound Road, Satsuma, FL 32189Listed by MOMENTUM REALTY | Aug 2026 | $256,000 | $213 | 3/2 | 1,200 | 18 | 0.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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