Active·89 days on market
228 SE 66th Street
Starke, FL 32091
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Starke
Welcome to this beautiful 3-bedroom, 2-bath all-brick lakefront home situated on 1.8 acres along Bedford Lake. Tucked away on a quiet street, this property offers breathtaking sunset views and a peaceful setting surrounded by shady oak trees, while still enjoying the benefits of a thoughtfully upgraded home. Recent improvements include a metal roof installed in 2022 and a new water heater in 2021, providing peace of mind for years to come. The home features a 2-car attached carport, plus an additional carport perfect for storing boats, RVs, or other toys. A 12x20 shed also conveys, offering plenty of extra storage. Step out back onto the spacious deck overlooking the lake, ideal for morning coffee, evening sunsets, or hosting friends and family while taking in the serene waterfront views.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Metal — 2022 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Septic system (public record) · 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: ~1,592 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 homeAs 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
Price & status history
- Sep 1, 2026Price change$375,000−$4,000
- Jan 16, 2026Listed$379,000
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 $160/sq ft; this home is listed at $239/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6737 Highland Drive, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $225,000 | $128 | 4/2 | 1,763 | 56 | 0.5 |
| 363 SE 72nd Street, Starke, FL 32091Listed by MAVREALTY | Jul 2026 | $215,000 | $137 | 3/1.5 | 1,566 | 7 | 0.7 |
| 499 58th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Sep 2026 | $237,000 | $160 | 3/1.5 | 1,484 | 18 | 0.8 |
| 7015 King Street, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jun 2025 | $375,000 | $284 | 2/1 | 1,320 | 157 | 1 |
| 5756 S 55th Terrace, Keystone Heights, FL 32656Listed by MODERN REALTY OF FLORIDA | Jul 2026 | $170,000 | $99 | 2/2 | 1,716 | 244 | 1.1 |
| 628 SE 52nd Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTY | Jun 2026 | $294,500 | $250 | 3/2 | 1,176 | 20 | 1.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CASTILLO REAL ESTATE JAX
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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines