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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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Active

Active·25 days on market

126 East End Road

San Mateo, FL 32187

$280,000$200/sqftEst. $1,495/moMLS# 2146401
↓ $29,900 below original list
3
Beds
2
Baths
1,400
Sq Ft
1979
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.00 acresManufactured Home1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

San Mateo

Escape to the perfect blend of modern comfort and country charm with this beautifully updated 3-bedroom home in San Mateo on an acre of land. Originally built in 1979 and completely renovated in 2017, this property offers stylish upgrades and peaceful Florida living with plenty of privacy. The stunning kitchen is truly the heart of the home, featuring gorgeous quartz countertops, new cabinetry, two sinks, and stainless-steel appliances -- designed for both everyday living and entertaining. The spacious primary suite offers a beautifully updated bathroom with a tiled walk-in shower, double sink vanity, and tile flooring. The second bathroom has also been tastefully renovated. The home has an encapsulated crawl space, which is a very valuable feature. Enjoy the quiet country atmosphere while still being conveniently located for an easy commute to Bunnell, Palm Coast, and St. Augustine. This property currently has an assumable VA loan. Survey on fil

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$1,495
Estimated total, before insurance$1,495/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,649/yr · $137/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$280,000
$56,000
Loan Term
Monthly Payment
$1,495
Principal & Interest: $1,495
Insurance (est.): $187
Estimated Total Monthly
$1,681
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 1979)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,553 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,649/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 5, 2026Price change$280,000−$29,900
  • Sep 5, 2026Active$309,900
  • Sep 1, 2026Pending$309,900
  • May 21, 2026Listed$309,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$280,000
Price / Sq Ft$200
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,400
Acres1.00 acres
Year Built1979
TypeResidential
Sub-TypeManufactured Home
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryBrowning Pearce
HighPalatka

Community Information

Address126 East End Road, San Mateo, FL 32187
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionMetes & Bounds
CitySan Mateo
CountyPutnam
StateFL
Zip Code32187
Lot Size43,560 sq ft
Parcel Number271027000001400000

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached Carport, Detached Carport

Interior

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FireplaceYes
Fireplace FeaturesElectric
# of Stories1

Exterior

RoofShingle
ConstructionStucco
Other StructuresShed(s), Workshop

Additional Information

Date ListedSeptember 5, 2026
Days on Market102
Tax Amount$1,649.46
Tax Year2025
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TEAM FLORIDA REALTY SERVICES INC

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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