138 WOODS ROAD, SAN MATEO, FL, 32187
Active67 days on marketListed May 18, 2026MLS #FC318611
About this home
138 WOODS ROAD
Looking for a move in ready home? Welcome to this charming, fully furnished 3/1 ! Water, electricity, internet and pest control all included in rent! Enjoy everything the well maintained 138 Woods Road has to offer, from cozy bedrooms to the indoor laundry room. Step onto the covered back patio to unwind and use the grill provided or outside into the spacious backyard to bask in the beautiful Florida weather. This is an ideal home for those seeking a quiet, cozy space while enjoying a connection to nature. No smoking, No pets.
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$174/mo
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The San Mateo market
$200K → $420K
San Mateo median sold, yr/yr
98.7%
Sale-to-list ratio (12 mo)
This home is listed 99% below the SAN MATEO 32187 median. See the full San Mateo market guide →
Paper trail
This home's history
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.
Sold · Apr ’26$245,000
317 S FERN STREET
3 bd · 1.5 ba · 1,250 sqft · $196/sqft · 5 DOM
Sold · Jun ’26$310,000
115 FERN WAY
3 bd · 2 ba · 1,288 sqft · $241/sqft · 46 DOM
Sold · Sep ’25$200,000
171 CENTRAL AVENUE
3 bd · 1 ba · 1,976 sqft · $101/sqft · 117 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 138 WOODS ROAD — start here.
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.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
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: No. 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 $2,000, this home is listed about 99% below the San Mateo median of $204,000. 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.
The brief
Three things that matter here
01Under the SAN MATEO 32187 market on paper
$2,000 is 99% below the SAN MATEO 32187 median of $203,000, and at $2/sqft it sits under the San Mateo average of $187.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
67 days on market against a San Mateo median of 32 — sellers in this position are usually ready to negotiate.
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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