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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 Jan 28, 2026·3 days on market

9860 SE State Road 100

Starke, FL 32091

$95,000sold priceListed at $99,900 · 95.1% of asking$73/sqftMLS# 2123840
2
Beds
2
Baths
1,296
Sq Ft
1997
Built
—
Garage
No
Pool
No HOAManufactured Home1 story

About this home

Starke

**INVESTOR SPECIAL** CASH ONLY** MOTIVATED SELLER** This long-held rental presents a prime opportunity for investors looking to renovate, rebuild, or redevelop. The structure will need subfloor repairs before occupancy, allowing buyers a blank canvas to re-imagine the space from the ground up. There is a 3rd room with a closet for potential to be a bedroom with its own access door. Currently a 1 acre parcel- Zoning allows for ½-acre parcels, creating the potential to divide the property with road frontage and access from 21st Ave (aka Forsyth Road) a strong setup for future equity growth in a buildable lot.

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$526
Estimated total, before insurance$526/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

$95,000
$19,000
Loan Term
Monthly Payment
$526
Principal & Interest: $526
Insurance (est.): $63
Estimated Total Monthly
$590
*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 1997)

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

Solar potential: ~1,565 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

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 $201/sq ft; this home is listed at $77/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9844 SE State Road 100, Starke, FL 32091Listed by IRON VALLEY REAL ESTATE NORTH FLORIDASep 2025$220,000$2223/1992180
1008 Colley Road, Starke, FL 32091Listed by CW REALTYAug 2026$305,000$1854/21,65010.9
13529 SE 21st Avenue, Starke, FL 32091Listed by MAXREV, LLCDec 2025$286,500$2173/21,318410.9
820 Lee Street, Starke, FL 32091Listed by WATSON REALTY CORPDec 2025$236,900$2013/21,17871
14543 SE County Road 230A, Starke, FL 32091Listed by CW REALTYAug 2026$253,000$1644/21,54221.1
14512 SE County Road 230A, Starke, FL 32091Listed by IHEART REALTY INCJul 2026$130,000$1223/21,064651.1

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$99,900
Price / Sq Ft$77
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,296
Year Built1997
TypeResidential
Sub-TypeManufactured Home
StyleTraditional
Property ConditionFixer
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address9860 SE State Road 100, Starke, FL 32091
Area523-Bradford County-SE
SubdivisionMetes & Bounds
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Dimensions1 acre
Parcel Number04671000100
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesElectric Range, Refrigerator
HeatingCentral
CoolingCentral Air, Wall/Window Unit(s)
# of Stories1

Exterior

Patio / PorchDeck
RoofShingle
Road SurfaceAsphalt
Road FrontageCounty Road, State Road

Additional Information

Date ListedJanuary 7, 2026
Days on Market3
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CW REALTY

Sold by: FLORIDA HOMES REALTY & MTG LLC (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 Jan 28, 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.

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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