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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 30, 2025·18 days on market

9844 SE State Road 100

Starke, FL 32091

$220,000sold priceListed at $215,000 · 102.3% of asking$222/sqftMLS# 2102042
3
Beds
1
Baths
992
Sq Ft
1945
Built
—
Garage
No
Pool
No HOA1.00 acresSingle Family Residence1 story

About this home

Starke

Charming Historic‑Era Cottage on 1‑Acre Lot in the Heart of Starke! This classic 1945 home is thoughtfully updated for modern living. With 3 bedrooms and 1 bathroom, this home features granite kitchen counters, sleek stainless appliances, new flooring, fresh paint, and a 3-year-old roof and septic system. Relax on the welcoming front porch overlooking your one-acre parcel. Set along picturesque State Road 100, only minutes from downtown Starke—known for its picturesque Call Street Historic District, the annual Strawberry Festival, and Florida Twin Theatre. Welcome home to a slice of Florida history with modern comfort!

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$1,219
Estimated total, before insurance$1,219/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

$220,000
$44,000
Loan Term
Monthly Payment
$1,219
Principal & Interest: $1,219
Insurance (est.): $147
Estimated Total Monthly
$1,365
*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 1945)

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

Solar potential: ~1,215 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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 $173/sq ft; this home is listed at $217/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1024 Southgate Drive, Starke, FL 32091Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$205,000$2332/1880320.8
820 Lee Street, Starke, FL 32091Listed by WATSON REALTY CORPDec 2025$236,900$2013/21,17871
14512 SE County Road 230A, Starke, FL 32091Listed by IHEART REALTY INCJul 2026$130,000$1223/21,064651.1
14563 SE CR-230A, Starke, FL 32091Listed by CW REALTYAug 2025$218,000$1733/21,260181.2
14681 SE CR 230A, Starke, FL 32091Listed by CW REALTYAug 2025$160,000$1712/2938661.2
410 Laura Street, Starke, FL 32091Listed by SUPREME REAL ESTATE PARTNERS, LLCMay 2025$199,500$1633/11,2221451.5

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$215,000
Price / Sq Ft$217
Bedrooms3
Bathrooms1.00
Full Baths1
Square Footage992
Total Structure Area1,232 sq ft
Acres1.00 acres
Year Built1945
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address9844 SE State Road 100, Starke, FL 32091
Area523-Bradford County-SE
SubdivisionStarke
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Size43,560 sq ft
Parcel Number04671000300

Amenities

UtilitiesCable Available, Electricity Connected
SewerPrivate Sewer, Septic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Off Street

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionVinyl Siding
Other StructuresShed(s)

Additional Information

Date ListedAugust 4, 2025
Days on Market18
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

Sold by: COLDWELL BANKER ANABASIS REALTY (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 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

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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