San Mateo Groves
Homes for Sale in Satsuma, FL
All 53 homes for sale in Satsuma, FL · median $235,000 · 66 homes for sale in 32189 · Putnam County homes for sale
True comps, carrying-cost math, and listings before the portals.
San Mateo Groves sits in Satsuma, in Putnam County, and the honest starting point is that this is a rural, small-market corner of Northeast Florida rather than a high-turnover suburban tract. Pricing here tends to be condition-driven and lot-driven rather than set by a busy comp stream, so two homes a short distance apart can trade very differently depending on structure, acreage, and what has been updated.
For a buyer, that means patience and a willingness to underwrite each property on its own merits rather than lean on a neighborhood average. For a seller, it means presentation and accurate condition disclosure matter more than chasing a headline number — the right buyer is often looking for a specific thing, and matching that is what moves a listing.
Nearby homes for sale
No active listings inside San Mateo Groves right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
San Mateo Groves is a rural pocket of Satsuma in Putnam County, well outside the pace and density of the Jacksonville metro. Expect a market that trades quietly and rewards buyers who value space and privacy over walkable amenities.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who San Mateo Groves is best for.
Best for
- Buyers prioritizing acreage, space, and privacy over convenience
- Rural-lifestyle buyers comfortable with wells, septic, and country roads
- Patient buyers willing to underwrite a property on its own merits
Probably not for
- Buyers who need a walkable, amenity-rich setting
- Buyers who want a deep comp set and fast, predictable resale
- Buyers seeking a short commute to a major metro job core
The market around San Mateo Groves
San Mateo Groves is too small for its own price trend, so here is the market around it.
In ZIP 32189, 81 homes are on the market and 18% are under contract — a steady corner of Satsuma.
Across Putnam County, 701 homes are active and 159 pending (18% under contract).
In ZIP 32189 (Satsuma), 114 homes closed in the last 12 months at a median of $185K ($148/sq ft), up 0.9% year over year, with a median 64 days on market. See the live ZIP 32189 housing market and the Putnam County market.
ZIP and county figures describe the wider market, not San Mateo Groves specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in San Mateo Groves, Satsuma
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The San Mateo Groves buying strategy.
If we were buying in San Mateo Groves today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in San Mateo Groves.
A rural Putnam market on its own clock
The character of San Mateo Groves is defined more by land and setting than by any single housing product. In markets like this, value is a function of the individual parcel — road frontage, usable acreage, well and septic condition, and the age and upkeep of the home — far more than of a uniform community standard. Treat every listing as its own negotiation.
Because the area is smaller and less liquid than a metro subdivision, both sides should plan for a longer runway. Buyers have room to be selective and should build in time for well, septic, and structural inspections. Sellers should price to real condition and be ready for a buyer pool that is deliberate rather than frenzied.
The location and the amenities are priced into every listing in San Mateo Groves. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A thin, rural market is exactly where local read matters most. In San Mateo Groves there is no thick comp set to hide behind, so we underwrite each property on its own facts — land, access, systems, and condition — and price and negotiate from there. We will also tell you plainly when a specific property, or the area itself, is not the right fit for your plans.
San Mateo Groves in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a San Mateo Groves buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed San Mateo Groves sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in San Mateo Groves, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your San Mateo Groves home worth?
Get a no-obligation home value based on real comparable sales in San Mateo Groves, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Satsuma →
Should you buy in San Mateo Groves?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-24 |
| Historical depth | Closed-sale records back to 2005 (2 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how San Mateo Groves fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for San Mateo Groves. These are the public schools most often assigned to other communities in ZIP 32189; zones change and vary by address, so confirm with the district before you buy.
- Palatka Jr.-Sr. High School · 7-12 -- confirm zoning by address (assigned to 5 nearby communities)
- Robert H. Jenkins Jr. Middle School · Middle (assigned to 4 nearby communities)
- James A. Long Elementary School · Elementary · FLDOE grade B (assigned to 4 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about San Mateo Groves
Where is San Mateo Groves?
San Mateo Groves is a community in Satsuma, Putnam County, Florida, ZIP 32189.
Are there homes for sale in San Mateo Groves right now?
No active listings inside San Mateo Groves at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does San Mateo Groves have an HOA or CDD?
No HOA is on record for San Mateo Groves in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near San Mateo Groves with Momentum Realty’s local guides.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Putnam County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Putnam County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.