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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Sep 12, 2025·4 days on market

3545 SE 144th Street

Starke, FL 32091

$285,000sold priceListed at $289,900 · 98.3% of asking$195/sqftMLS# 2101065
3
Beds
2
Baths
1,458
Sq Ft
2025
Built
—
Garage
No
Pool
No HOA1.00 acresSingle Family Residence1 storyNew construction

About this home

Starke

Country Feel, City Convenience! Welcome to your brand new home, nestled on a spacious 1-acre lot just outside the city limits! This thoughtfully designed 3-bedroom, 2-bathroom home offers the perfect blend of quiet country charm and everyday convenience. You'll enjoy the peace and privacy of rural living while still being just minutes from shopping, schools, and local amenities. Inside, you'll find a bright, open layout with modern finishes and a welcoming feel throughout. Whether you're relaxing on the front porch, entertaining in the open-concept living area, or enjoying the outdoor space, this home has everything you need to settle in and make it your own.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,579
Estimated total, before insurance$1,579/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$285,000
$57,000
Loan Term
Monthly Payment
$1,579
Principal & Interest: $1,579
Insurance (est.): $190
Estimated Total Monthly
$1,769
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2025)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,502 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

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 and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

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. Their median is $185/sq ft; this home is listed at $199/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1008 Colley Road, Starke, FL 32091Listed by CW REALTYAug 2026$305,000$1854/21,65010.5
9860 SE State Road 100, Starke, FL 32091Listed by CW REALTYJan 2026$95,000$732/21,29630.6
820 Lee Street, Starke, FL 32091Listed by WATSON REALTY CORPDec 2025$236,900$2013/21,17870.6
424 S Mabel Street, Starke, FL 32091Listed by COLDWELL BANKER VANGUARD REALTYOct 2025$109,000$813/21,354360.9
13794 SE 21st Avenue, Starke, FL 32091Listed by CW REALTYJul 2026$329,900$1824/21,81371.1
15241 SE 25th Avenue, Starke, FL 32091Listed by CW REALTYJun 2026$400,000$2303/21,74061.1

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

Price$289,900
Price / Sq Ft$199
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,458
Acres1.00 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

MiddleBradford
HighBradford

Community Information

Address3545 SE 144th Street, Starke, FL 32091
Area523-Bradford County-SE
SubdivisionMetes & Bounds
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Size43,560 sq ft
Parcel Number00452-0-00400
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOther

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringVinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionFew Trees
Patio / PorchFront Porch, Side Porch
RoofShingle
ConstructionBlock
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 29, 2025
Days on Market4
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: CW REALTY

Sold by: NON MLS (realMLS) (buyer's brokerage)

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

Krista Fracke

Broker Associate

This home sold on Sep 12, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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