San Mateo
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo courtesy of FLORIDA HOMES REALTY & MTG LLC · via realMLS
Homes For Sale Right Now in San Mateo
Live MLS inventory for San Mateo. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 88 daysTop listing
Active · 29 days
Active · 69 days
Active · 34 days
Active · 29 days
Active · 22 days
Active · 8 days
Active · 39 days
Active · 246 daysPending · 127 days
Pending · 10 days
Pending · 37 days
Pending · 79 daysActive and pending San Mateo listings as of 2026-10-23, priced high to low. Source: Data provided by realMLS. Tap any home to ask about it.
San Mateo's median price sits at $234,900, down 2.1% year over year, with a median price per square foot of $167.41. That pullback looks small next to the longer arc: prices here are up 379% since 2012, so the recent softening reads as a pause in a long climb rather than a reversal of it. The housing stock is older by Jacksonville standards, with a median year built of 1961 and homes ranging from 1936 to 2024, and the typical home runs around 1,542 square feet.
The current posture favors patience over urgency. Median days on market is 34, just over a month, and the tracked window shows 29 closings against a market heat score of 21 — a relatively quiet reading. As of this July 2026 snapshot, there are no active listings on the board, so a buyer with real interest here needs to move fast when something does list, while a seller should price against the trailing closings rather than assume competitive bidding.
Figures in this note are as of July 14, 2026. The live market numbers elsewhere on this page update nightly and are newer.
San Mateo right now
🟢 Buyer-leaning market. 9.0 months of supply and 31% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of realMLS records, as of October 23, 2026. Confidence: Very High (13 active and pending listings, 28 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($235K) is up 0.0% from the prior 12 months ($235K) and up 309% since 2012.Momentum Research, record-level realMLS closed sales, 12-month windows ending October 23. Confidence: High (28 and 37 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 23, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
San Mateo market snapshot (as of October 23, 2026): the median sale price is about $235K ($160 per sq ft over the trailing 12 months of closed sales), a median 33 days on market for closed sales, and 9.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 0% from the prior 12 months and up 309% since 2012, computed from record-level realMLS closed sales (28 closings in the current window).
San Mateo is a community of 524 homes in Jacksonville, Duval County, built between 1936 and 2023 (median 1961.0), with a median living area of about 1,548 square feet. 71% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
San Mateo is a Duval County section of Jacksonville built out mostly in the mid-20th century, with 914 homes and a homestead exemption share of 72.5% pointing to a market where most properties are owner-held rather than turned over as rentals or flips.
The setting & the homes.
Aerial and on-site photos of San Mateo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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San MateoPhotos from realMLS listings in San Mateo; content deemed reliable but not guaranteed.
Who San Mateo is best for.
Best for
- A buyer targeting a median price near $234,900 who is comfortable evaluating an older home on its own condition rather than by neighborhood averages.
- A buyer or investor comfortable with a slower-moving, lower-heat market (heat score 21) who can wait out thin active inventory for the right listing.
- A buyer prioritizing long-run price history — the 379% gain since 2012 — over short-term year-over-year movement.
Probably not for
- A buyer who needs to choose among several active listings right now — there are none in this snapshot.
- A buyer set on new construction or minimal renovation, given a median year built of 1961.
- A seller expecting a bidding-war pace — median days on market is 34 and the recent trend is down 2.1% year over year.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 23 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($235K) IS the median in the snapshot above, and the move from 2025 ($235K) IS the +0.0% one-year change.
Windows contain 14 to 50 sales each (28 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
29% of homes for sale in ZIP 32218 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-20).
San Mateo Market Scorecard
San Mateo is currently a buyer-leaning market. About 9.0 months of supply, a median asking price of $274,988, and homes go under contract in about 34 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in San Mateo, Jacksonville
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.
San Mateo on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from realMLS. Map data © OpenStreetMap contributors.
How far is everything?
Everyday stops around San Mateo are close: the nearest groceries is about 3 minutes away.
- Family Asian Market · Groceries3 min
- San Mateo Neighborhood Park · Parks3 min
- Ashchi Heart and Vascular · Health3 min
- Xtreme Wings Sports Bar and Grille · Dining4 min
- North Point Center · Shopping6 min
- Sam's Club Cafe · Coffee6 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Schools
- Duval County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- San Mateo Elementary (Duval, magnet)FLDOE grade B · Public PreK-5
- Highlands Middle School (Duval)FLDOE grade C · Public 6-8
- First Coast High School (Duval)FLDOE grade C · Public 9-12
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Duval County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any San Mateo address.
Recent Developments in San Mateo
Development, infrastructure, retail, and school activity affecting San Mateo, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Retail & Dining
Council committee defers vote on incentives for Downtown Publix at 119 W. Beaver St.
The Finance Committee deferred a $49.65 million incentive package for Gateway Jax's $140.15 million high-rise anchored by a Publix at 119 W. Beaver St. The tower is planned with 259 apartments and about 400 parking spaces. The committee is scheduled to revisit the bill Nov. 4, the day after the Amendment 3 vote.
What it may mean for the marketThe timing of the first full-size grocery store in the Downtown core depends on the incentive vote, affecting nearby retail access. The project is about 8 miles south of San Mateo, elsewhere in Duval County.
Source: Jacksonville Today - September 2026Infrastructure
JEA advances about $690 million in infrastructure projects including Fulton Cut transmission line raise near JAXPORT
JEA is moving forward with three water reclamation projects (Blacks Ford in northwest St. Johns County, over $220 million; near Jacksonville International Airport, about $193 million; East Arlington, just under $165 million) and the $117 million Fulton Cut transmission line clearance over the St. Johns River near Blount Island. Fulton Cut, shared with JAXPORT and the city, is expected to finish in summer 2027 and all four projects by 2030.
What it may mean for the marketRaised power lines support larger ship access to port terminals, and new reclamation capacity supports growth in surrounding areas. The site is about 8 miles southeast of San Mateo.
Source: News4JAX - September 2026Development
Gateway Jax seeks more than $70 million in city incentives for Riverfront Plaza tower and Hotel Merrydelle
Gateway Jax is requesting about $55.4 million in incentives for a 17-story, roughly $271.5 million Riverfront Plaza tower with 130 to 170 hotel rooms and 50 to 150 residences on Independent Drive. It also seeks a $15 million loan for the nearly $50 million renovation of the former Ambassador Hotel at 420 Julia Street. The Downtown Investment Authority board votes Sept. 16 and City Council has the final say.
What it may mean for the marketIf approved, the projects would add hotel rooms, residences and restaurants along the Downtown riverfront. The project is about 8 miles south of San Mateo, elsewhere in Duval County.
Source: Jacksonville Today - July 2026Development
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
What it may mean for the marketAnchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The project is about 8 miles south of San Mateo, elsewhere in Duval County.
Source: News4Jax - April 2026Development
Southeast Toyota opens $170M vehicle-processing facility at JAXPORT's Blount Island, adding 400-plus jobs
Southeast Toyota Distributors dedicated a new vehicle processing facility at JAXPORT's Blount Island Marine Terminal in April 2026. The company put the investment at $170 million and said the facility created more than 400 full-time jobs, most of them hired locally.
What it may mean for the marketA large new employment center on Blount Island adds sustained local job demand, a factor that has historically supported nearby housing absorption. The site is about 8 miles southeast of San Mateo.
Source: JAXPORT - February 2026Infrastructure
JAXPORT details $250M Blount Island modernization and record cargo in 2026 State of the Ports
At its February 2026 State of the Ports address, JAXPORT outlined a $250 million modernization of Blount Island's container and vehicle-handling capabilities and reported record fiscal-2025 cargo volumes. The port also said an air-draft expansion to accommodate larger ships is on track to finish by the end of 2026.
What it may mean for the marketContinued heavy investment in the Blount Island port complex anchors long-term industrial employment on the northeast side, a structural demand driver for the surrounding area. The site is about 8 miles southeast of San Mateo.
Source: News4Jax
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The San Mateo buying strategy.
If we were buying in San Mateo 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
An older section holding its value
The math on San Mateo is straightforward once you separate the two timeframes. Year over year, the median price is down 2.1%, a modest give-back at $234,900 and $167.41 per square foot. Since 2012, the same market is up 379%, which tells you the recent dip is happening inside a much larger long-run gain, not undoing it.
The housing stock explains part of the price story: a median year built of 1961, with the range running as old as 1936 and as new as 2024, and a median living area of 1,542 square feet. That spread means condition and updates likely do more to move a given sale price than the neighborhood median alone. With 0 active listings at this snapshot and only 29 closings in the tracked window, the sample is thin — worth remembering before treating any single comparable as the market.
The location and the amenities are priced into every listing in San Mateo. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in San Mateo buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (6.1). Basis: Long-Term Appreciation +309% since 2012; Recent Direction +0.0% year-over-year; Liquidity & Demand 9.0 months of supply; Owner Commitment 71% owner-occupied; Pricing Power 94.3% sale-to-list. Refreshed with each data update.
Why work with Momentum here
With inventory this thin — zero active listings as of this snapshot and 29 closings in the tracked window — pricing a home in San Mateo well means working from the actual closed data, not a generic citywide trend. We track this section specifically, including the 34-day median time on market and the 72.5% homestead share, so a listing gets priced against what buyers have actually paid here, not a guess.
San Mateo in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA status not on record. Verify any dues before you offer
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Flood & Insurance Context
Of 20 sampled listing addresses in this community: 85% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 15% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=20) · as of 2026-10
Tools for a San Mateo 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in San Mateo, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in San Mateo?
How long do homes in San Mateo take to sell?
Is San Mateo a buyer's or seller's market right now?
How many homes are in San Mateo?
What share of San Mateo is owner-occupied?
When were the homes in San Mateo built?
Have San Mateo home prices gone up?
What schools serve San Mateo?
Who is the best real estate agent for San Mateo?
How do I find a top Jacksonville real estate agent who knows San Mateo?
Can Momentum Realty connect me with an agent for San Mateo?
Should you buy in San Mateo?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near San Mateo with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: October 23, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending October 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (8 streets, ZIP 32203/32218/32226)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2001 (717 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.
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