Active·1 day on market
177 Central Avenue
San Mateo, FL 32187
About this home
San Mateo
Step back in time while enjoying modern comforts in this lovingly restored and thoughtfully updated 1925 farmhouse! Full of character and charm, this 3-bedroom, 2-bath home offers a huge living room and inviting family room featuring a vaulted ceiling and beautiful brick fireplace. The spacious kitchen is a showstopper with custom hickory cabinetry, granite countertops, and a large island with bar seating. Relax and entertain on the welcoming front or back porches. Outside, enjoy your own private oasis with an inground pool and generous lounging area, all within a fully fenced yard. An oversized 2-car garage and large detached workshop (30 x 60) provide exceptional storage, parking and workspace. Located on a .64+/- acre lot and also includes a standby whole house generator for peace of mind during weather events. A rare opportunity to own a charming piece of history with the space and amenities for comfortable modern living.
Cost to own
Mortgage calculator
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $856/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 1925)
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: ~1,646 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 homeAs of September 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 12, 2026Listed$399,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER BEN BATES INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Model Land Comp
Active$415,000MLS# 2142137Est. $2,209/mo177 Central Avenue, San Mateo, FL 321873 Beds2 Baths3,239 sqftGreat Opportunity!!Pool home on almost an acre of land.
ResidentialPARALLEL REALTY LLC
Active$799,000MLS# 2157793Est. $4,253/mo4 St. Andrews Court, St. Augustine, FL 320843 Beds2 Baths1,551 sqftFabulous fully-renovated and furnished 2-story 3 BR, 2 baths turn of century Victorian in heart of downtown St.…
ResidentialPONTE VEDRA CLUB REALTY, INC.
Active$1,250,000MLS# 2116776Est. $6,653/mo62 1/2 Valencia Street, St. Augustine, FL 320845 Beds3 Baths2,335 sqftOwn a piece of St. Augustine charm with this well-maintained triplex located just steps from Flagler College and the…
Residential IncomeIHEART REALTY INC
Keep looking
Similar homes in San Mateo
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