Active·118 days on market
103 Rivershore Drive
San Mateo, FL 32187
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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
Just reduced! Discover canal-front living with direct access to the St. Johns River at 103 River Shore Dr. in San Mateo, Florida. Built in 2022, this move-in-ready manufactured home offers 3 bedrooms, 2 bathrooms and approximately 1,040 square feet of bright, open living space. Whether you're buying your first home or looking for a Florida getaway, enjoy a waterfront setting that puts boating, fishing and kayaking within easy reach. Start your morning with coffee, head out for a day on the river and return to a place of your own. The manageable yard means less upkeep and more time to enjoy the Florida lifestyle. Conveniently located near shopping, dining, medical facilities and everyday essentials, this home combines river access with everyday convenience. Make your next chapter a waterfront one—schedule your showing today!
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,089 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 homeAs 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
- Sep 29, 2026Price change$209,900−$10,000
- Jul 22, 2026Price change$219,900−$8,100
- Jun 19, 2026Listed$228,000
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 $185/sq ft; this home is listed at $202/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 115 Bellray Drive, San Mateo, FL 32187Listed by NON MLS (realMLS) | Aug 2026 | $115,000 | $102 | 2/2 | 1,124 | 0 | 0.2 |
| 137 & 135 Riverside Drive, Satsuma, FL 32189Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $475,000 | $383 | 3/2 | 1,239 | 126 | 0.3 |
| 130 Roberts Boulevard, Satsuma, FL 32189Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $240,000 | $185 | 3/2 | 1,300 | 129 | 0.3 |
| 109 Ivey Road, San Mateo, FL 32187Listed by THE FIELDS GROUP REALTY | Oct 2026 | $240,000 | $228 | 3/1 | 1,054 | 48 | 0.4 |
| 140 Coolwater Avenue, Satsuma, FL 32189Listed by NON MLS (realMLS) | Jun 2026 | $174,000 | $181 | 2/2 | 960 | 1 | 0.6 |
| 105 Leisurely Avenue, Satsuma, FL 32189Listed by EAGLES WORLD REALTY, INC | Dec 2025 | $60,000 | $63 | 2/2 | 960 | 42 | 0.6 |
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
Exterior
Additional Information
Listing Courtesy of: MAXREV, 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.
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines