CENTURY 21 Edge
$1,900$2,0003 bd1 ba1,000 sqft$2 /sqft≈$174 /mo all-in ↓

138 WOODS ROAD, SAN MATEO, FL, 32187

Active148 days on marketListed May 18, 2026MLS #FC318611

✦ Priced 99% below the SAN MATEO 32187 median✦ Reduced $100Single Family Residence

About this home

138 WOODS ROAD

If you have been searching for a well maintained home in a quiet neighborhood, look no further than 138 Woods Rd! Water, internet and pest control all included in rent! Enjoy everything this charming home has to offer, from cozy bedrooms to the screened in patio and spacious backyard. This is an ideal home for those seeking a peaceful space to unwind. No smoking.

Facts & features

The home at a glance

3

Bedrooms

1

Bathrooms

1,000

Sqft

0.23 ac

Lot size

1974

Year built

One

Levels

$2

Per sqft

Pets allowed

Inside

FlooringTile
AppliancesCooktop · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Thermostat
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

ParkingDriveway

Community & fees

PetsSize Limit, Yes

Utilities & systems

UtilitiesElectricity Connected · Water Connected

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$174 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$11
FHA mortgage insurance (est.)$1
Est. property taxes (1.1%/yr)$2
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $67Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $67
Interest rate6.00%
Loan term

Estimated payment

$174/mo

Principal & interest$11
FHA mortgage insurance (est.)$1
Est. property taxes$2
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside San Mateo

Get to know San Mateo. See the full San Mateo guide →

SAN MATEO 32187 — neighborhood snapshot

Population

1,117

Median age

60.3

Median income

$50,116

Median home value

$124,400

Avg household

1.8

Households w/ children

87%

For the school run

Putnam County School District

ElementaryBrowning-Pearce Elementary School★★★★★
HighPalatka Junior - Senior High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The San Mateo market

Seller’s marketSeller’s market — 2.6 months of inventoryBuyer’s market

$200K → $200K

San Mateo median sold, yr/yr

93.7%

Sale-to-list ratio (12 mo)

Median sold price, San Mateo, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 99% below the SAN MATEO 32187 median. See the full San Mateo market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,900 ▼ $100
May 18, 2026Listed at $2,000 · 148 days on market since
1974Built

Reality check

What actually sold near 138 WOODS ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

134 WEERTS ROADSold · Sep ’26

$205,000

134 WEERTS ROAD

3 bd · 2 ba · 1,248 sqft · $164/sqft · 174 DOM

317 S FERN STREETSold · Apr ’26

$245,000

317 S FERN STREET

3 bd · 1.5 ba · 1,250 sqft · $196/sqft · 5 DOM

115 FERN WAYSold · Jun ’26

$310,000

115 FERN WAY

3 bd · 2 ba · 1,288 sqft · $241/sqft · 46 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 138 WOODS ROAD — start here.

CallText
leila.sabat@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 138 WOODS ROAD — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

138 WOODS ROAD FAQs

What would the monthly payment be for 138 WOODS ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

Are pets allowed at 138 WOODS ROAD?+

The listing reports pets: Size Limit, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in San Mateo?+

At $1,900, this home is listed about 100% below the San Mateo median of $499,000. The market section on this page shows how the area is trending.

Which schools are assigned to 138 WOODS ROAD?+

Browning-Pearce Elementary School (elementary), Palatka Junior - Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of REALTY EXECUTIVES OCEANSIDE · Monique Difusco. MLS #FC318611.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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