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·229 days on market

0 SE 48th Lane

Starke, FL 32091

$95,000Est. $491/moMLS# 2102229

Beds

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Garage

Pool

About this home

Starke

Embrace peaceful country living with this scenic 4.5 acre parcel in the quaint town of Hampton. Whether you're planning to build a custom home or place a mobile/manufactured residence, this versatile property offers the space, flexibility, and freedom to bring your vision to life. Located just minutes from town conveniences, it's also close to a beautiful walking trail—ideal for peaceful strolls, bike rides, or connecting with nature. The land features mostly level terrain with a blend of open space and natural growth, offering plenty of room for a home, garden, workshop, or small farm. With no HOA and flexible zoning, this is a great opportunity for those seeking a quiet retreat, homestead, or future investment. Enjoy the serenity of the countryside while staying within easy reach of schools, shopping, and local parks. Seize this opportunity to own your own slice of North Florida charm!

Cost to own

Mortgage calculator

Home Price

$95,000

Down Payment: 20%

$19,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$491

Principal & Interest: $491

Insurance (est.): $63

Estimated Total Monthly

$554

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$491

Estimated total, before insurance$491/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.

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: material not specified

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

Solar potential: ~1,508 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