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Sold·Closed Mar 27, 2026·63 days on market

430 Center Street

Starke, FL 32091

$160,000sold priceListed at $167,500 · 95.5% of asking$185/sqftMLS# 2108626
2
Beds
1
Baths
864
Sq Ft
1948
Built
—
Garage
No
Pool
No HOA6,098 sqft lotSingle Family Residence1 story

About this home

Starke

Welcome to your very own slice of small-town paradise, now with a BRAND-NEW ROOF!! This beautifully renovated 'humble abode' offers all the modern touches you want, wrapped in timeless charm and country coziness. Nestled on a quiet street in a friendly town, this home has been remodeled from top to bottom within the past few years; all that's left to do is move in and enjoy. Step inside to find a bright space featuring butcher block countertops (plus quartz in the bathroom), a deep farmhouse sink, soft-close cabinetry, and gleaming stainless steel appliances—including a natural gas cooktop for your inner chef. The built-in pantry drawers offer smart storage solutions that blend seamlessly with the thoughtful design. Fresh paint throughout and convenient blinds give the space a clean, polished look. Enjoy your morning coffee on the huge front porch, where the breeze carries the sounds of birdsong and the gentle rustle of trees.

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$886
Estimated total, before insurance$886/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

$160,000
$32,000
Loan Term
Monthly Payment
$886
Principal & Interest: $886
Insurance (est.): $107
Estimated Total Monthly
$993
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: Metal — year not disclosed (home built 1948)

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

Solar potential: ~1,448 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:28 AM, sunset 7:02 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

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

  • Jan 8, 2026Listed$167,500

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 $199/sq ft; this home is listed at $194/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
401 N Cherry Street, Starke, FL 32091Listed by IHEART REALTY INCJul 2026$124,900$1732/17201150.4
424 N Water Street, Starke, FL 32091Listed by SOUTHEAST REALTY GROUPSep 2025$119,900$1162/11,035180.5
1135 Neil Court, Starke, FL 32091Listed by CW REALTYAug 2026$212,000$1993/11,0641020.6
124 E Andrews Street, Starke, FL 32091Listed by JULIE MORROW PREMIER REALTY INCJul 2026$205,000$2032/21,012110.8
1024 Southgate Drive, Starke, FL 32091Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$205,000$2332/1880321.2
14681 SE CR 230A, Starke, FL 32091Listed by CW REALTYAug 2025$160,000$1712/2938662.2

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$167,500
Price / Sq Ft$194
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage864
Total Structure Area1,394 sq ft
Acres0.14 acres
Year Built1948
TypeResidential
Sub-TypeSingle Family Residence
StyleA-Frame, Cottage, Ranch, Traditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

ElementaryStarke
MiddleBradford
HighBradford

Community Information

Address430 Center Street, Starke, FL 32091
Area522-Bradford County-NW
SubdivisionStarke
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Size6,098.4 sq ft
Lot Dimensions94' x 58'
Parcel Number03237000000
ZoningResidential

Amenities

Community FeaturesSuburban
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached Carport, Carport, Covered, Other

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Dryer, Electric Oven, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit

Exterior

Lot DescriptionCorner Lot, Few Trees
Patio / PorchCovered, Deck, Front Porch, Porch
RoofMetal
ConstructionFrame, Wood Siding
Road SurfaceAsphalt, Paved
Road FrontageCity Street

Additional Information

Date ListedJanuary 8, 2026
Days on Market63
Listing TermsCash, Conventional, FHA, Lease Back, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA'S CHOICE REALTY LLC

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 Mar 27, 2026. 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.

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20+ years · 500+ closings · NE Florida

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