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Sold·Closed Sep 30, 2025·18 days on market
424 N Water Street
Starke, FL 32091
About this home
Starke
FANTASTIC OPPORTUNITY TO BUY A SOLID HOME IN A GREAT LOCATION. THIS CONCRETE BLOCK 2/1 HOME FEATURES SPACIOUS KITCHEN, LIVING ROOM, TWO BEDROOMS AND ONE BATH. ON THE REAR OF THE HOME IS AN ADDITIONAL ROOM (NO CLOSET) THAT WOULD MAKE A FANTASTIC FAMILY ROOM/GAME ROOM/OR ADDITIONAL BEDROOM WITH PRIVATE ENTRANCE. PROPERTY LOCATED ON FULLY FENCED CORNER LOT. SMALL DETACHED SHED. ONE - CAR CARPORT.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Metal — year not disclosed (home built 1961)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,740 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 homeThis 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:28 AM, sunset 7:02 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
History
Price & status history
- Jul 31, 2025Listed$124,900
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. Their median is $203/sq ft; this home is listed at $121/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 762 N Walnut Street, Starke, FL 32091Listed by THORNTON & CO REALTY INC | Apr 2026 | $150,000 | $125 | 3/1 | 1,199 | 492 | 0.3 |
| 201 Alvarez Street, Starke, FL 32091Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Jun 2026 | $249,000 | $208 | 3/2 | 1,200 | 13 | 0.5 |
| 430 Center Street, Starke, FL 32091Listed by FLORIDA'S CHOICE REALTY LLC | Mar 2026 | $160,000 | $185 | 2/1 | 864 | 63 | 0.5 |
| 124 E Andrews Street, Starke, FL 32091Listed by JULIE MORROW PREMIER REALTY INC | Jul 2026 | $205,000 | $203 | 2/2 | 1,012 | 11 | 0.6 |
| 573 Utah Street, Starke, FL 32091Listed by JULIE MORROW PREMIER REALTY INC | Aug 2026 | $272,000 | $230 | 3/2 | 1,184 | 33 | 0.7 |
| 627 Francis Street, Starke, FL 32091Listed by CHAD AND SANDY REAL ESTATE GROUP | Jul 2026 | $174,900 | $153 | 3/1 | 1,142 | 48 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SOUTHEAST REALTY GROUP
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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 30, 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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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