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113 BROWNS ROAD, San Mateo, FL, 32187

2beds
1baths
1,078sqft
$199,000
$185price/sqft
$1,564/moest. monthly cost
$62,560/yrincome needed

About This Home

Welcome to this charming 2 bedroom 1 bathroom home in a quiet neighborhood close to everything! This home offers the perfect blend of comfort, privacy, and convenience. Step inside to discover a thoughtfully designed layout featuring a spacious living room perfect for both relaxation and entertaining. The heart of the home is the modern kitchen, which overlooks the open-concept living and dining areas with tile flooring throughout. The kitchen boasts new cabinetry, newer appliances, updated backsplash, and granite countertops. The inviting living room leads into a second living room with a large window, offering ample light and making it ideal for both entertaining and relaxing. This block stucco home features many upgrades, including a newer roof, newer HVAC, newer water heater, new light fixtures, and a remodeled kitchen. The primary bedroom features a walk-in closet and a newer vanity in the bathroom. Off the kitchen, there is a one-car garage and a washer and dryer. Enjoy a backyard oasis with ample room for outdoor dining, play, and relaxing. With its serene location, abundant space, and versatile layout, this home is a rare find in San Mateo. Don’t miss the opportunity to make it yours. Excellent neighborhood, quiet dead-end road along the St. Johns River. Excellent Location Close to the River, Beach, St. Augustine, and Palatka. Best of all no HOA fees!

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

3/10
Palatka High SchoolGrades 7-125.4 mi

Construction

Condition

  • Year built: 1973

Materials

  • Foundation: Block,Slab
  • Roof: Metal
  • Construction materials: Cement Siding,Concrete,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Thermostat
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,558
  • Total interior livable area: 1,078 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 481027000004460000
  • Zoning: R2
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Lighting

Lot

  • Lot size: 10,018 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Inland Flooding
Lightning
Tornado
Heat Wave
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Putnam County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,006$12,072
Home Insurance *$87$1,044
Property Taxes $274$3,288
Electricity $197$2,366
Total$1,564$18,768
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,622/yr
40% on housing$46,920/yr
45% on housing$41,706/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 32187$185
Putnam County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 32187$242
Putnam County$177

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$199,000
2026-08-03Price change$199,000
2026-07-23Price change$203,000
2026-06-27Price change$204,000
2026-06-04Listed for sale$205,000
2026-05-25Pending sale$205,000
2026-05-16Listed for sale$205,000
2025-09-26Sold$100,000
2004-05-11Sold$58,300

For Sale by Agent

AgentKyle Hoppenworth
BrokerageWATSON REALTY CORP- TIOGA

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