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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

$364,000Sold3 bd · 2 ba · 1,545 sq ft

Sold·Closed Sep 10, 2026·113 days on market

231 E State Road 100

San Mateo, FL 32187

$364,000sold priceListed at $364,000 · 100% of asking$236/sqftMLS# 2139256
3
Beds
2
Baths
1,545
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.30 acresSingle Family Residence1 storyNew construction

About this home

San Mateo

Modern Luxury Meets Country Charm 3 Bed | 2 Bath | 1.3 Acres Welcome to your private sanctuary! This brand-new construction masterfully blends high-end modern finishes with the peaceful serenity of a sprawling 1.3-acre lot. From the moment you pull into the drive, the durable Hardi siding and elegant stone accents deliver an immediate ''wow'' factor, further enhanced by thoughtful soffit lighting for a warm evening glow. The Heart of the Home: A Chef's Dream No detail was spared in the kitchen, designed for both beauty and function. It features: Massive Center Island: Includes a breakfast bar perfect for morning coffee or casual dining. Premium Quartz Countertops: Expansive workspace for meal prep or entertaining. Custom Cabinetry: Sleek drawers and doors with soft-close technology. Elegant Finishes: Stunning brushed gold plumbing and light fixtures. Stainless Steel Appliances: Brand new and ready for your first home-cooked meal.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$1,985
Estimated total, before insurance$1,985/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.

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).

Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.

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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,232 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 6:40 AM, sunset 5:39 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Expect afternoon glare on rear glass, and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $395/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

  • Sep 14, 2026Closed$364,000
  • Aug 9, 2026Active Under Contract$364,000
  • Jul 10, 2026Price change$364,000−$24,000
  • Apr 20, 2026Listed$388,000

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 $257/sq ft; this home is listed at $236/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
317 S Fern Street, San Mateo, FL 32187Listed by SAVVY AVENUE, LLC.Apr 2026$245,000$1963/1.51,250210.4
232 Kyte Rd Road, San Mateo, FL 32187Listed by Watson Realty Corp (US1 South)Feb 2026$413,500$2573/21,608330.4
112 Oleander Drive, San Mateo, FL 32187Listed by REAL BROKER LLCFeb 2026$300,000$2313/21,300600.5
115 Troupe Road, San Mateo, FL 32187Listed by DUCK REALTY INCAug 2026$175,000$932/11,8882731.4
689 S HIGHWAY17, San Mateo, FL 32187Listed by MOMENTUM REALTYJul 2026$600,000$3603/21,6681181.5
203 Pinecrest Circle, San Mateo, FL 32187Listed by TIMBER TO TIDES REALTY LLCMar 2026$430,000$2853/21,51191.5

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

Price$364,000
Price / Sq Ft$236
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,545
Total Structure Area2,648 sq ft
Acres1.30 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesEast

Community Information

Address231 E State Road 100, San Mateo, FL 32187
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionMetes & Bounds
CitySan Mateo
CountyPutnam
StateFL
Zip Code32187
Lot Size56,628 sq ft
Parcel Number481027000002400000

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedApril 20, 2026
Days on Market113
Tax Amount$395.14
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: TIMBER TO TIDES REALTY LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 10, 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.

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