Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·478 days on market

14468 SE County Road 100A

Starke, FL 32091

$349,000$224/sqftEst. $1,796/moMLS# 2083206

Beds

Baths

1,560

Sq Ft

1962

Built

Garage

Pool

About this home

Starke

Well maintained home on two acres with updated kitchen and bath, custom built ins, office, oak board floors, solid surface countertops, solid wood cabinets and vinyl siding (over lap pine siding). Second bath is located outside the main home near the laundry room. It has a CT shower, toilet, sink and has heat/ac. Main house new HVAC installed 5/2026. Termite bond in place and just passed 2026 inspection in 5/2026. Attached 2 car carport and garage/workshop plus a detached metal garage with electric. Floored attic for storage or one can finish it for more living space. The CB garage/workshop is air conditioned, has slab floor, work bench, new HVAC and roof in 2024. There is one 8' roll up door, attached extra carport and one finished room with a closet. Back yard is fully fenced with chain link. Don't miss this well loved country home!

Cost to own

Mortgage calculator

Home Price

$349,000

Down Payment: 20%

$69,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,796

Principal & Interest: $1,796

Insurance (est.): $233

Estimated Total Monthly

$2,029

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.67% · 30yr$1,796

Estimated total, before insurance$1,796/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$628/yr · $52/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $628/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

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.

Roof: Metal — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,627 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As 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.

History