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Single Family ResidenceResidential
$238,586$110 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

320 S FERN ST

SAN MATEO, FL 32187
0
Baths
2,170 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.87 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.

Valuation

$239K
$225K low$252K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,557 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$113,970 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$110,760
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$171,760

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.45
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
99
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
76
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyPutnam
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1974
Lot (acres)The size of the land the home sits on, from county records.0.87
HeatingThe type of heating system in the home.Heat Pump
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 640 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Browning - Pearce Elementary SchoolC
Elementary · Grades PK–6 · 0.7 mi
M
Palatka Jr/Sr High SchoolD+
Middle · Grades 7–12 · 6.4 mi

District: Putnam County School District

Neighborhood · ZIP 32187These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.123
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.26

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.85%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.2,935
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.83 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$50,965
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$62,186
Average tempThe average temperature here across a full year.70°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.66%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

320 S Fern St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 73% of homes in San Mateo 32187
  • Bigger than 85% of homes in Putnam County
  • Older than 77% of homes in Putnam County

What homes are worth in San Mateo 32187

Each bar is how many homes fall in that price range. The marker is this home.

This home
$60K$726K

This home is worth more than 49% of homes in San Mateo 32187.

How it measures up in San Mateo 32187

The dot is this home. The mark in the middle is the typical home in San Mateo 32187.

Estimated value$238,586
CheaperTypical $245,000Pricier

Pricier than 49% of homes nearby

Price per ft²$110
CheaperTypical $145Pricier

Pricier than 27% of homes nearby

Living area2,170 ft²
SmallerTypical 1,567 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.87 ac
SmallerTypical 1.01 acBigger

Bigger than 42% of homes nearby

Year built1968
OlderTypical 1984Newer

Newer than 27% of homes nearby

How 320 S Fern St ranks against every home in each area.
MeasureThis homeSan Mateo 32187Putnam County
Estimated valuepricier than$238,58649% of homes57% of homes
Price per ft²pricier than$11027% of homes32% of homes
Living areabigger than2,170 ft²78% of homes85% of homes
Lot sizebigger than0.87 ac42% of homes56% of homes
Year builtnewer than196827% of homes23% of homes

About 320 S Fern St

How much is 320 S Fern St, San Mateo, FL worth?

The TopHap Estimate for 320 S Fern St, San Mateo, FL is $238,586 as of Aug 30, 2026. The likely range is $224,936 to $252,236. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 320 S Fern St, San Mateo, FL?

320 S Fern St, San Mateo, FL has 2,170 square feet of living space and a 0.87-acre lot.

When was 320 S Fern St, San Mateo, FL built?

320 S Fern St, San Mateo, FL was built in 1968, making it 58 years old.

What schools serve 320 S Fern St, San Mateo, FL?

320 S Fern St, San Mateo, FL is assigned to Browning - Pearce Elementary School (elementary), rated C; Palatka Jr/Sr High School (middle), rated D+. All sit in Putnam County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 S Fern St, San Mateo, FL compare to other homes in San Mateo 32187?

Among the 834 homes in San Mateo 32187, it is worth more than 49% of them ($238,586 against a typical $245,000), its price per square foot is higher than 27% of them ($110 against a typical $145), it is bigger than 78% of them (2,170 ft² against a typical 1,567 ft²), its lot is bigger than 42% of them (0.87 ac against a typical 1.01 ac) and it is newer than 27% of them (1968 against a typical 1984). Measured against all of Putnam County, it is worth more than 57% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 320 S Fern St, San Mateo, FL?

The 2025 property tax bill for 320 S Fern St, San Mateo, FL was $1,557. The county assessed it at $113,970.

More homes on S Fern St

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Assigned schools

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