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·277 days on market

306 Lakeshore Drive

Starke, FL 32091

$119,000Est. $611/moMLS# 2118874

Beds

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Garage

Pool

About this home

Starke

Experience the sunset's melting glow from your lakeside porch. This 2.3-acre lot faces perfectly west on Crosby Lake, and is ready for your dream home and private dock. Clear more trees or leave them for privacy, bring your own builder! With permanent conservation land making up roughly half of the opposite shoreline, your tranquil, natural views are preserved for a lifetime. The Lakewood neighborhood benefits from deep seclusion while being just minutes from downtown Starke and Walmart. You are also centrally located just 25 minutes from Gainesville and 45 minutes from Jacksonville. Take a sunset cruise or fish for trophy bass right from your backyard. The neighborhood also features a boat ramp just down the road, and you can expand your adventures to Sampson, Rowell, Kingsley, and Hampton lakes--all within a 15-minute drive.

Cost to own

Mortgage calculator

Home Price

$119,000

Down Payment: 20%

$23,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$611

Principal & Interest: $611

Insurance (est.): $79

Estimated Total Monthly

$690

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$611

HOAbilled annually$10

Estimated total, before insurance$622/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: ~1,747 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