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$245,000Sold3 bd · 1.5 ba · 1,250 sq ft
Sold·Closed Apr 23, 2026·21 days on market
317 S Fern Street
San Mateo, FL 32187
About this home
San Mateo
Secluded sanctuary nestled in the heart of San Mateo! Welcome to a charming 3-bedroom, 1.5 bath Cottage on nearly 1 acre of land, offering privacy without the confines of an HOA. Step onto the full width front porch, an idyllic spot to unwind. Expansive backyard beckons with possibilities for outdoor fun and storage for recreational toys. Discover the convenience of privacy without sacrificing accessibility. Easy commute to St. Augustine or Palatka, proximity to beaches, and nearby parks and access points to St. Johns River for recreational adventures. The list of improvements includes: updated kitchen and baths, windows, flooring, paint, AC unit. Kitchen has stylish cabinets and stainless appliances. New LVP flooring and carpet throughout. Large 20 x 40 garage great for RV storage and 16x16 shed.
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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Fort Matanzas south accessabout 22 mi · 40 parking spaces
Closest park or preserve
Deep Creek Conservation Areaabout 10 mi · 4.1 mi of trails
Closest public boat ramp
Deep Creek at County Road 207 Primitive Accessabout 10 mi · St. Johns River - Deep Creek
Closest grocery store
Aldiabout 20 mi · 181 Blackford Way, St. Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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 $236/sq ft; this home is listed at $196/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 112 Oleander Drive, San Mateo, FL 32187Listed by REAL BROKER LLC | Feb 2026 | $300,000 | $231 | 3/2 | 1,300 | 60 | 0.2 |
| 231 E State Road 100, San Mateo, FL 32187Listed by TIMBER TO TIDES REALTY LLC | Sep 2026 | $364,000 | $236 | 3/2 | 1,545 | 113 | 0.4 |
| 122 Culpepper Road, San Mateo, FL 32187Listed by HOMECOIN.COM | Jun 2026 | $189,000 | $175 | 3/2 | 1,080 | 230 | 1.3 |
| 109 Ivey Road, San Mateo, FL 32187Listed by THE FIELDS GROUP REALTY | Oct 2026 | $240,000 | $228 | 3/1 | 1,054 | 48 | 1.5 |
| 203 Pinecrest Circle, San Mateo, FL 32187Listed by TIMBER TO TIDES REALTY LLC | Mar 2026 | $430,000 | $285 | 3/2 | 1,511 | 9 | 1.7 |
| 137 & 135 Riverside Drive, Satsuma, FL 32189Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $475,000 | $383 | 3/2 | 1,239 | 126 | 1.9 |
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
Additional Information
Listing Courtesy of: SAVVY AVENUE, LLC.
Sold by: IHEART REALTY INC (buyer's brokerage)
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 Apr 23, 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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines