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Active

Active·10 days on market

12171 US 301

Starke, FL 32091

$849,000$708/sqftEst. $4,329/moMLS# 2124620

Beds

Baths

1,200

Sq Ft

1970

Built

Garage

Pool

About this home

Starke

Prime US-301 frontage with exceptional future commercial potential. Nearly 8 acres located along the highly traveled US Highway 301 corridor in Starke, just minutes from recent commercial growth and the new RaceTrac development. This property offers strong visibility, traffic exposure, and a strategic location ideal for investors, developers, or owner-users seeking a presence on one of North Florida's primary north-south routes. Currently improved with a small brick residence and serviced by well and septic. The value lies in the land, location, and long-term opportunity. Property is presently zoned residential; however, its size, frontage, and surrounding commercial activity make it a strong candidate for future commercial rezoning. Buyer to verify zoning, future land use, and development potential with Bradford County. Large acreage allows flexibility for a variety of potential commercial uses, phased development, or investment hold. Rare opportunity to obtain Hwy 301 land.

Cost to own

Mortgage calculator

Home Price

$849,000

Down Payment: 20%

$169,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,329

Principal & Interest: $4,329

Insurance (est.): $566

Estimated Total Monthly

$4,895

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$4,329

Estimated total, before insurance$4,329/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 — year not disclosed (home built 1970)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,366 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

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