Active·663 days on market
1028 S Water Street
Starke, FL 32091
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this lot
Starke
**Seller Financing Available** 1.9 Acres of *HIGH & DRY* freshly cleared Commercial Property within the City of Starke. 200ft frontage on State Road 100. Water, Sewer, and Power currently established onsite. Zoned B-2 Community Commercial District. Special Exemption has been issued for land use as Automotive Sales & Service as well as mini-warehouses. Approved special exemption resolution available via documents.
Cost to own
Carrying cost
What holding this lot costs per month at the asking price. Land loans run on different terms than a home mortgage, so the payment is left out; ask for current lot-loan terms.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 21 mi · 24.6 mi of trails
Closest public boat ramp
Camp Blanding FMA – Lowery Lake Boat Ramp (Saturday & Sunday Mornings Only)about 8 mi · Lowery Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 12 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
History
Price & status history
- Oct 14, 2026Price change$200,000+$40,000
- Dec 27, 2024Listed$160,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10422 State Road 100, Starke, FL 32091Listed by COLDWELL BANKER SMITH AND SMITH REALTY | Aug 2025 | $74,000 | — | 0/0 | — | 2805 | 0.5 |
| 120 E South Street, Starke, FL 32091Listed by CW REALTY | Feb 2026 | $130,000 | $32 | 0/1 | 4,049 | 183 | 0.6 |
| 1103 N Temple Avenue, Starke, FL 32091Listed by COLDWELL BANKER SMITH AND SMITH REALTY | Mar 2026 | $250,000 | $114 | 0/2 | 2,200 | 25 | 1.5 |
| 00 W Sapp Street, Starke, FL 32091Listed by CB ISAAC REALTY | Feb 2026 | $100,000 | — | 0/0 | — | 318 | 1.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines