134 Weerts Rd · East Palatka, FL 32187

$199,900

3 bd · 2.0 ba · 720 sqft · Manufactured public records · 176 Days on market

Built 2025 0.45 ac lot

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +11.8/30.0
• Appreciation +9.6/10.0
• ARV discount +7.5/15.0
• DSCR +3.5/10.0
• 1% rule +3.4/10.0
• Livability +3.1/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

Key facts

• Walk-in closet
• Stylish kitchen
• Open-concept layout

Tags

• OPEN-CONCEPT LAYOUT
• STYLISH KITCHEN
• WALK-IN CLOSET
• LARGE DETACHED BLOCK SHED
• QUIET COUNTRY SETTING

Property features AI

Finance

• Other: Lot approximately 0.45 acres (100 x 198), paved road access
• Financial info:
• HOA & community: No association; No association approval required

Exterior

• Parking:
• Security:
• Utilities: Public water; Septic tank sewer; Electricity connected
• Home design: Residential manufactured double-wide; New construction; Model: Home Run; One story; Faces southwest; Zoned R-2
• Construction: Vinyl siding; Shingle roof; Block foundation; Built by Champion Homes
• Exterior features: Wood fencing; Other exterior features

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Open floorplan; 3 total rooms
• Laundry & utility: Laundry inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $200k.

Deal economics

• At list price, monthly cash flow is $-55 ($-661/yr) — negative.
• To cash-flow at today's rent, offer at most $192k (4.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $168k (16.0% below list).
• Recommended offer: $168k (16.0% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 3.3% in East Palatka — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 61/100 on livability (#789 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+; Watch: health & safety C-, schools F, amenities F.
• Putnam (town): math 34% / reading 39% proficiency, ranked #66 of 73 in FL (top 90%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 28 active listings in the ZIP; 113 units permitted in Putnam County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $20k of equity ($1k loan paydown + $18k appreciation (9.2% local appreciation)).
• Putnam County population projected at -31% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (9.2% appreciation + 3.0% rent growth), your $56k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 176 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 20y ago; this cycle's ask has dropped $40k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $25k; list at $200k implies a 700% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,897 (16.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 176 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.84% ✗
• Cap rate: 5.96%
• Cash-on-cash: -1.18%
• DSCR: 0.95
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

9.17% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.7%
• Equity multiple: 2.68×
• Total profit: $94,178
• Equity at exit: $168,160

10-year hold

• IRR: 19.7%
• Equity multiple: 5.96×
• Total profit: $277,721
• Equity at exit: $350,660

Cash invested: $55,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 32187

• Home prices YoY: 4.4%
• Active inventory: 28
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $1,679 medium
• Mortgage (P&I): −$1,048
• Tax est. 1.5%: −$250 /mo · $2,998/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$353
• Net cashflow: $-55

Break-even live

Break-even rent $1,749

Max offer price $191,930

Occupancy floor 98%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Listing history 37 events

1. 2026-06-15
   status $199,900 Pending 176 DOM
2. 2026-06-15
   days on market $199,900 Active 176 DOM
3. 2026-06-13
   days on market $199,900 Active 174 DOM
4. 2026-06-10
   status $199,900 Active 170 DOM
5. 2026-05-09
   status Pending 837-char remark

   Show marketing remark (837 chars)

   Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

6. 2026-05-09
   status Pending

   Show marketing remark (837 chars)

   Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

7. 2026-04-27
   status Active

   Show marketing remark (837 chars)

   Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

8. 2026-04-27
   status Active 837-char remark

   Show marketing remark (837 chars)

   Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

9. 2026-04-17
   status Pending

   Show marketing remark (837 chars)

   Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

10. 2026-04-17
    status Pending 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

11. 2026-03-10
    status Active

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

12. 2026-03-10
    status Active 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

13. 2026-02-28
    status Pending 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

14. 2026-02-28
    status Pending

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

15. 2026-02-26
    price $199,900 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

16. 2026-02-13
    price $199,900
17. 2026-02-07
    price $204,900 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

18. 2026-02-07
    price $204,900

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

19. 2026-01-16
    price $209,900 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

20. 2026-01-16
    price $209,900

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

21. 2026-01-12
    price $219,900 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

22. 2026-01-12
    price $219,900

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

23. 2025-12-10
    price $224,900

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

24. 2025-12-10
    price $224,900 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

25. 2025-11-12
    price $229,900 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

26. 2025-11-12
    price $229,900

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

27. 2025-10-31
    listed $239,900 Active 837-char remark

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

28. 2025-10-31
    listed $239,900 Active

    Show marketing remark (837 chars)

    Welcome to your brand-new home in peaceful San Mateo! This beautiful 3-bedroom, 2-bath manufactured home offers 1,248 sq ft of modern comfort on a spacious lot. Step inside to find an open-concept layout featuring a bright living area, stylish kitchen with new appliances, and a split-bedroom design for privacy. The primary suite includes a walk-in closet and a full bath with contemporary finishes. Two additional bedrooms and a second full bath provide plenty of space for family or guests. Out back, you'll love the large detached block shed/workshop—perfect for storage, hobbies, or projects. Enjoy the quiet country setting while still being conveniently close to Palatka, the St. Johns River, and local amenities. Whether you're looking for a full-time residence or a weekend retreat, this move-in-ready property has it all!

29. 2016-05-25
    soldstatus $25,000 Sold 390-char remark

    Show marketing remark (390 chars)

    Delightful and charming single wide mobile home with addition of a fire placed family room and third bedroom. A separate studio/workshop, greenhouse, and two sheds for storage.On almost one half acre. Many recent upgrades include a newer HVAC system, newer water heater roof, and plumbing. Relax on the deck with pergola or screened gazebo. Close to boat ramp for access to St. Johns River!

30. 2016-05-24
    status Pending 390-char remark

    Show marketing remark (390 chars)

    Delightful and charming single wide mobile home with addition of a fire placed family room and third bedroom. A separate studio/workshop, greenhouse, and two sheds for storage.On almost one half acre. Many recent upgrades include a newer HVAC system, newer water heater roof, and plumbing. Relax on the deck with pergola or screened gazebo. Close to boat ramp for access to St. Johns River!

31. 2016-03-16
    listed $49,900 Active 390-char remark

    Show marketing remark (390 chars)

    Delightful and charming single wide mobile home with addition of a fire placed family room and third bedroom. A separate studio/workshop, greenhouse, and two sheds for storage.On almost one half acre. Many recent upgrades include a newer HVAC system, newer water heater roof, and plumbing. Relax on the deck with pergola or screened gazebo. Close to boat ramp for access to St. Johns River!

32. 2016-03-16
    price $42,900 390-char remark

    Show marketing remark (390 chars)

    Delightful and charming single wide mobile home with addition of a fire placed family room and third bedroom. A separate studio/workshop, greenhouse, and two sheds for storage.On almost one half acre. Many recent upgrades include a newer HVAC system, newer water heater roof, and plumbing. Relax on the deck with pergola or screened gazebo. Close to boat ramp for access to St. Johns River!

33. 2016-03-16
    price $35,000 390-char remark

    Show marketing remark (390 chars)

    Delightful and charming single wide mobile home with addition of a fire placed family room and third bedroom. A separate studio/workshop, greenhouse, and two sheds for storage.On almost one half acre. Many recent upgrades include a newer HVAC system, newer water heater roof, and plumbing. Relax on the deck with pergola or screened gazebo. Close to boat ramp for access to St. Johns River!

34. 2006-09-18
    historical
35. 2006-09-15
    soldstatus $74,000
36. 2006-09-15
    soldstatus $74,000
37. 2006-05-08
    listed $74,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,148
• − Mortgage interest: −$11,198
• − Property taxes: −$2,998
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,612
• − Management: −$1,612
• − Depreciation: −$5,815
• Taxable loss: −$4,087
• Est. tax savings @ 24.0%: +$981
• After-tax cash flow: $320/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Putnam
• NCES district ID: 1201620
• Math proficiency: 34% ▼ -10.00%
• Reading proficiency: 39% ▼ -4.00%
• Median HH income: $33,350
• Composite: 29.99/100
• National rank: #6361
• State rank: #66 of 73 in FL

Livability — East Palatka

• Score: 61/100
• State rank: #789
• US rank: #18035

Category grades

Amenities F Commute F Cost of living A+ Crime A+ Employment F Housing B- Health & safety C- User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 1,117

Population outlook (Putnam County) Hauer SSP2

• Today (2025): 65,299 people
• By 2030: 61,255 · -6.2%
• By 2040: 52,930 · -18.9%
• By 2050: 45,051 · -31.0%
• By 2075: 28,720 · -56.0%
• By 2100: 15,852 · -75.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (99%)
• Race & ethnicity: White 99%
• Common ancestry: Russian 4% Scottish 3% Lithuanian 3%

Political lean MEDSL · Putnam

• 2024 margin: Solid R (+47.8) · D 25.8% · R 73.6%
• 2008→2024 swing: -28.5pp toward R · 2008: -19.3pp · 2024: -47.8pp
• All cycles: 2024: R+47.8 2020: R+41.2 2016: R+36.6 2012: R+24.5 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.17%
• Current HPI: 218.2988
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+170.1% since first listed

33 events — show timeline

• 2026-05-09 Pending — SCMLS
• 2026-05-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Relisted — SCMLS
• 2026-04-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-17 Pending — SCMLS
• 2026-03-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Relisted — SCMLS
• 2026-02-28 Pending — SCMLS
• 2026-02-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-26 Price Changed $199,900 SCMLS
• 2026-02-13 Price Changed $199,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-07 Price Changed $204,900 SCMLS
• 2026-02-07 Price Changed $204,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Price Changed $209,900 SCMLS
• 2026-01-16 Price Changed $209,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-12 Price Changed $219,900 SCMLS
• 2026-01-12 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-10 Price Changed $224,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-10 Price Changed $224,900 SCMLS
• 2025-11-12 Price Changed $229,900 SCMLS
• 2025-11-12 Price Changed $229,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-31 Listed $239,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-31 Listed $239,900 SCMLS
• 2016-05-25 Sold (MLS) $25,000 realMLS
• 2016-05-24 Pending — realMLS
• 2016-03-16 Listed $49,900 realMLS
• 2016-03-16 Price Changed $35,000 realMLS
• 2016-03-16 Price Changed $42,900 realMLS
• 2006-09-18 Listing Removed — realMLS
• 2006-09-15 Sold (Public Records) $74,000 Public Records
• 2006-09-15 Sold (MLS) $74,000 realMLS
• 2006-05-08 Listed $74,000 realMLS

Property tax history

-7.0%/yr

Latest (2025): $305 · -78.6% YoY. Source: county tax records.