Price cut: $250K (10/14)
$2,500,000

645 S Us Highway 17, San Mateo, FL 32187

9beds
6.5baths6 full baths + 1 half bath
5,500sqft
Quick facts
Single Family Residence 90 Days on Market Built in 2011 $454.55/sqft 392,040 sq ft

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.

Location of 645 S Us Highway 17

Map showing 645 S Us Highway 17, San Mateo, FL 32187 $2,500,000
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645 S Us Highway 17 property details

Interior

Bedrooms & Bathrooms

  • Bedrooms: 9
  • Bathrooms: 7
  • Full Bathrooms: 6

Appliances

  • Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer
  • Laundry: Laundry Room

Heating

  • Heating: Central, Heat Pump, Natural Gas, Zoned

Cooling

  • Cooling: Central Air

Features

  • Interior Features: Cathedral Ceiling(s), Open Floorplan, Vaulted Ceiling(s), Walk-In Closet(s)
  • Flooring: Concrete, Tile, Wood
  • Fireplace: No

Interior Area

  • Total Living Area: 5500
  • Unit: Square Feet
  • Source: Public Records

Video & Virtual Tour

Rooms & Dimensions

Master Bedroom

  • Level: Second
  • Dimensions: 18x14

Bedroom 1

  • Level: First
  • Dimensions: 14x14

Bonus Room

  • Level: First
  • Dimensions: 18x12

Great Room

  • Level: First
  • Dimensions: 31x28

Bedroom 2

  • Level: First
  • Dimensions: 13.5x14

Dining Room

  • Level: First
  • Dimensions: 15x18

Kitchen

  • Level: First
  • Dimensions: 22x18

Property

Features

  • Exterior Features: Lighting, Outdoor Shower, Rain Gutters, Dock
  • Patio & Porch: Covered, Deck, Enclosed, Patio, Screened
  • Security Features: Security System Owned, Smoke Detector(s)
  • Has Private Pool: No
  • Has Spa: No
  • Horses: No

View

  • Has View: Yes
  • View: River, Water, Trees/Woods

Lot

  • Size: 392,040 sq ft
  • Acres: 9
  • Features: Wooded, Waterfront

Accessibility

  • Levels: Two

Parking

  • Garage: No
  • Parking Features: Open, Oversized
  • Carport: No
  • Open Parking: No

Waterfront

  • Has Waterfront: Yes
  • Water Body Name: ST. JOHN'S RIVER
  • Waterfront Features: River Front

Basement

  • Basement: No

Mobile Home

  • Mobile Home Remains: No

Construction

Type & Style

  • Home Type: Residential
  • Property Sub Type: Single Family Residence

Materials

  • Construction Materials: HardiPlank Type, ICFs (Insulated Concrete Forms)
  • Foundation: Slab
  • Roof: Metal

Builder / Condition

  • Year Built: 2011
  • New Construction: No
  • Builder: Olson Construction

Building

  • Building Area Total: 12200
  • Building Area Units: Square Feet
  • Building Area Source: Owner
  • Building Exposure: East

Utilities & Green Energy

Utilities

  • Electric on Property: No
  • Water: Private, Well
  • Sewer: Private Sewer
  • Utilities: Natural Gas Available, Cable Available, Electricity Connected, Natural Gas Connected, Water Connected
  • Road Surface Type: Dirt

Green Energy

  • Energy Efficient: Windows

Community & HOA

Community

  • Subdivision: Wiggins
  • Zip/Postal Code: 32187
  • City/Town: San Mateo
  • City/Region: SAN MATEO-Putnam
  • County/Parish: Putnam
  • State/Province: FL
  • Country Region: US-FL

HOA

  • Has HOA: No
  • Senior Community: No

Pets

  • Pets Allowed: No

Location

  • Range: 27
  • Section: 29
  • Township: 10
  • Longitude: -81.600779
  • Latitude: 29.600399
  • Directions: From I-95, Head South To FL-207, Exit 311 Towards Palatka. West On FL-207 For 19 Miles. Left/South On US Highway 17 For 3.8 Miles. Right At 645 S. Highway 17

Land Lease

  • Land Lease: No

School

Tax, Financial & Listing Details

Listing Details

  • List Price: $2,500,000
  • Price Per Square Foot: $454.55
  • Date on Market:
  • Listing Terms: Cash, Conventional
  • Ownership: Fee Simple
  • Furnished: Unfurnished
  • Home Warranty: No
  • Rent Control: No
  • Status: Active

MLS Details

  • MLS: StellarMLS
  • Listing ID: R4911707

Tax Details

  • Annual Tax Amount: $37,475
  • Tax Year: 2025
  • Tax Legal Description: PT OF LOTS 3, 7, 11 SEC 29 & PT OF WIGGINS GRT OR1248 P1620 (PARCEL B) (SUBJECT TO FPL ESMT OR1291 P881)
  • Tax Lot: 3
  • Universal Property ID: US-12107-N-291027000000910000-R-N

Price history for 645 S Us Highway 17

DateEventPriceSource
listed (Active)$2,500,000StellarMLS #R4911707Source

Ask a question about 645 S Us Highway 17

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Last checked Source: StellarMLSMLS# R4911707

Local real estate advisory services provided by agent with Sana Bibi

Listed by Jaquis McCullough with Cora Properties Llc · Cell: 863-651-2139

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