David Ramirez
$2,750,0009 bd6.5 ba5,500 sqft$500 /sqft$19,153 /mo all-in ↓

645 S US HIGHWAY 17, SAN MATEO, FL, 32187

Active13 days on marketListed Jul 24, 2026MLS #R4911707

WaterfrontSingle Family ResidenceWIGGINS

About this home

645 S US HIGHWAY 17

There are properties, and then there are places that feel like they were always meant to exist —rooted in the land, shaped by the river, built for a life lived slowly and well. This is one of those places. Situated on 20.2± acres of unspoiled North Florida terrain across two contiguous parcels, this extraordinary riverfront compound commands 423 linear feet of St. Johns River frontage — one of the most coveted stretches of private waterway in the state. The grounds unfold with quiet intention: a working barn anchors the back acreage, mature hardwoods and native landscape frame the approach, and beyond the compound, the land remains beautifully undeveloped. Designed by HAASE DESIGN of Melrose, FL — an award-winning, father-and-son studio with a signature reverence for Old Florida vernacular — and brought to life by Olson Construction, the main house spans approximately 5,500 square feet of ICF-constructed, timber-truss, vaulted-ceiling living space across an open, airy floor plan with 3 bedrooms and 2.5 baths. Two guest cottages, each offering 3 bedrooms and 2 baths, complete the compound. All three structures are seamlessly connected by roofed, screened breezeways — no steps, no interruptions, just a fluid flow between indoor and outdoor living. The porches and outdoor spaces are where this estate truly breathes. Morning coffee in the screened breezeway. Afternoon shadows crossing the grounds. And then the river — always the river — drawing you toward the two-story permitted dock with boat lift and 360-square-foot sundeck, where world-class St. Johns River bass fishing awaits and sunsets arrive like slow paintings across the water. Aerial views reveal what photographs cannot fully capture: the scale of the riverfront, the sweep of the acreage, and the harmony of a compound that feels both grand and deeply personal.

Facts & features

The home at a glance

9

Bedrooms

6.5

Bathrooms

5,500

Sqft

9 ac

Lot size

2011

Year built

Two

Levels

$500

Per sqft

WaterfrontTrees/Woods & Water view

Inside

FlooringConcrete · Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Gas Water Heater · Ice Maker · Microwave · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Heat Pump · Natural Gas · Zoned

Outside & construction

RoofMetal
ConstructionHardiPlank Type · ICFs (Insulated Concrete Forms)
FoundationSlab
ViewTrees/Woods · Water
FacesEast
ParkingOpen · Oversized
ExteriorLighting · Outdoor Shower · Rain Gutters

Community & fees

Taxes (2025)$37,475/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Natural Gas Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$19,153 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$14,839
PMI (est., until 20% equity)$1,031
Property tax — 2025 actual bill$3,123
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $275,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $275,000
Interest rate6.00%
Loan term

Estimated payment

$19,153/mo

Principal & interest$14,839
PMI (est., until 20% equity)$1,031
Property taxes (actual bill)$3,123
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside San Mateo

Map of 645 S US HIGHWAY 17

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 marketLeans buyer8.0 months of inventoryBuyer’s market

$200K$420K

San Mateo median sold, yr/yr

98.7%

Sale-to-list ratio (12 mo)

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

This home is listed 1245% above the SAN MATEO 32187 median. See the full San Mateo market guide →

Paper trail

This home's history

Jul 24, 2026Listed at $2,750,000 · 13 days on market since
2011Built · WIGGINS

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 645 S US HIGHWAY 17 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 645 S US HIGHWAY 17 — before you fall in love.

See it in person

Schedule a tour

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Straight answers

645 S US HIGHWAY 17 FAQs

What would the monthly payment be for 645 S US HIGHWAY 17?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,153/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 645 S US HIGHWAY 17?+

The most recent tax bill on record (2025) was $37,475. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

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

At $2,750,000, this home is listed about 676% above the San Mateo median of $354,500. The market section on this page shows how the area is trending.

Which schools are assigned to 645 S US HIGHWAY 17?+

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 CORA PROPERTIES LLC · Jaquis McCullough. MLS #R4911707.

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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