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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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$499,0004 bd · 3 ba · 2,356 sq ft

Active·23 days on market

141 Woods Road

San Mateo, FL 32187

$499,000$212/sqftEst. $2,721/mo mortgageMLS# 2147834
4
Beds
3
Baths
2,356
Sq Ft
1998
Built
3
Garage
No
Pool
FEMA Zone ANo HOA8.32 acresWaterfrontManufactured Home1 story

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Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

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

About this home

San Mateo

This property is absolutely stunning, This 4 bedroom 3 bath newly remodeled Doublewide mobile home has new insulated wood encased windows, new skirting, new siding with OSB sub-straight for extra strength, professionally installed tile flooring and tiled showers, 2 large covered porches new metal roof, new AC unit, too many upgrades to list. This home is a must see. This home sits on 8.47 beautifully cleared acres with a new 3 car detached garage. The lake on this land is privately owned and is well stocked for that relaxing day you just want to go fishing in your John boat or off the shore. You can drive your golf cart or truck around the lake and fish wherever you'd like.. Fish feeder is in place already. Land is cleared and ready for all your Adult toys like your, RV, Boat, 4 Wheelers, Golf cart, anything you want. You've got the room. 25 minutes to St, Augustine, Largest Bass Pro Shop coming soon, This is the perfect place to call home and enjoy that retirement that you deserve.

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$2,721
Estimated total, before insurance$2,721/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,904/yr · $409/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

$499,000
$99,800
Loan Term
Monthly Payment
$2,721
Principal & Interest: $2,721
Insurance (est.): $333
Estimated Total Monthly
$3,053
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

Part of this 8.3-acre lot is in a high-risk flood zone: Zone A (54%)

The rest is Zone X (minimal) 46%. Whether a lender requires flood insurance depends on where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.

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: Metal — year not disclosed (home built 1998)

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: ~1,707 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, 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $4,904/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

  • Oct 9, 2026Active$499,000
  • Oct 1, 2026Pending$499,000
  • May 29, 2026Listed$499,000

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 $158/sq ft; this home is listed at $212/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
149 Ranch Road, East Palatka, FL 32131Listed by TIMBER TO TIDES REALTY LLCOct 2026$305,000$1254/22,43230.8
171 Central Avenue, San Mateo, FL 32187Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2025$200,000$1013/11,9761660.8
122 Rio Vista Avenue, East Palatka, FL 32131Listed by CENTURY 21 BECKHAM REALTYOct 2025$345,000$1933/21,7921391.6
390 State Road 100, San Mateo, FL 32187Listed by UNITED REAL ESTATE GALLERYDec 2025$265,000$1583/21,680771.8
115 Troupe Road, San Mateo, FL 32187Listed by DUCK REALTY INCAug 2026$175,000$932/11,8882731.9
133 Divi Divi Drive, San Mateo, FL 32187Listed by TIMBER TO TIDES REALTY LLCAug 2025$465,000$2793/21,664261.9

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

Price$499,000
Price / Sq Ft$212
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,356
Acres8.32 acres
Year Built1998
TypeResidential
Sub-TypeManufactured Home
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontYes

School Information

ElementaryBrowning Pearce
HighPalatka

Community Information

Address141 Woods Road, San Mateo, FL 32187
Area564-East Palatka/San Mateo/N Satsuma/Orange Mills
SubdivisionSan Mateo
CitySan Mateo
CountyPutnam
StateFL
Zip Code32187
Lot Size362,419.2 sq ft
Parcel Number211027000001710220

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected
Water SourcePrivate, Well
ParkingAdditional Parking, Detached, RV Access/Parking
ViewLake
Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Cooktop, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne

Exterior

Lot DescriptionAgricultural, Cleared
Patio / PorchFront Porch, Porch, Rear Porch
RoofMetal
ConstructionVinyl Siding
Other StructuresWorkshop

Additional Information

Date ListedOctober 10, 2026
Days on Market23
Tax Amount$4,904.44
Tax Year2025
Listing TermsCash, Conventional, FHA, Private Financing Available, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NORTH FLORIDA REAL ESTATE PARTNERS 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

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines