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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 Apr 13, 2026·68 days on market

240 NE State Road 16

Starke, FL 32091

$295,000sold priceListed at $299,900 · 98.4% of asking$166/sqftMLS# 2124038
4
Beds
2
Baths
1,779
Sq Ft
1972
Built
—
Garage
No
Pool
No HOASingle Family Residence1 story

About this home

Starke

This charming 4/2 brick home offers an open-concept floor plan and a cozy den with a fireplace, creating the perfect space to unwind or gather. Sellers had a new roof installed in August 2024 and new well in January 2026 which provides added value and confidence for buyers. Located on a main highway makes for easy commutes to Jacksonville or Gainesville.

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$1,634
Estimated total, before insurance$1,634/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

$295,000
$59,000
Loan Term
Monthly Payment
$1,634
Principal & Interest: $1,634
Insurance (est.): $197
Estimated Total Monthly
$1,831
*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 1972)

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

Solar potential: ~1,447 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 $108/sq ft; this home is listed at $169/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
406 NE State Road 16, Starke, FL 32091Listed by WATSON REALTY CORPOct 2025$175,000$1084/21,620100.1
1582 NE 158th Street, Starke, FL 32091Listed by COLDWELL BANKER VANGUARD REALTYOct 2025$221,100$1013/22,183161.5
15232 NE 14th Avenue, Starke, FL 32091Listed by CW REALTYNov 2025$340,000$1663/22,0522111.7
16606 NE 19th Avenue, Starke, FL 32091Listed by EXIT INSPIRED REAL ESTATEJul 2025$170,000$794/2.52,140441.8
1911 NE 154th Street, Starke, FL 32091Listed by CW REALTYMar 2026$470,000$2273/22,06641.9
2199 SR 16, Starke, FL 32091Listed by INTEGRITY KEY REALTY LLCOct 2025$153,300$813/11,900441.9

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$299,900
Price / Sq Ft$169
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,779
Year Built1972
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address240 NE State Road 16, Starke, FL 32091
Area521-Bradford County-NE
SubdivisionMetes & Bounds
CityStarke
CountyBradford
StateFL
Zip Code32091
Parcel Number02784000101

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan
AppliancesDishwasher, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPatio
RoofShingle
ConstructionBrick, Vinyl Siding
Road SurfacePaved
Road FrontageState Road

Additional Information

Date ListedJanuary 8, 2026
Days on Market68
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CW REALTY

Sold by: CW 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 Apr 13, 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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