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Active Under Contract

Active Under Contract·131 days on market

231 E State Road 100

San Mateo, FL 32187

$364,000$236/sqftEst. $1,871/moMLS# 2139256

Beds

Baths

1,545

Sq Ft

2026

Built

Garage

Pool

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

Mortgage calculator

Home Price

$364,000

Down Payment: 20%

$72,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,871

Principal & Interest: $1,871

Insurance (est.): $243

Estimated Total Monthly

$2,114

*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$1,871

Estimated total, before insurance$1,871/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.

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.

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: 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 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

Price & status history

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.

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

StatusActive Under Contract

# 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