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Active

Active·147 days on market

589 SE 71st Street

Starke, FL 32091

$434,000$241/sqftEst. $2,310/moMLS# 2130766

Beds

Baths

1,802

Sq Ft

1993

Built

Garage

Yes

Pool

About this home

Starke

Welcome to this custom built and well loved brick pool home on a corner lot with access to coveted and private Crystal Lake! In addition to the attached garage there is a detached garage/workshop as well as an RV/boat port. Large kitchen, split bedroom plan, 12x22 screen porch overlooking the pool and chain link fenced back yard. For a minimal and voluntary fee you can join Crystal Lake Homesites HOA and enjoy access to the 1+ acre gated boat ramp, swimming area and pavilion. Crystal lake is spring fed with white sand bottom and clear water. Great for swimming, fishing, kayaking, boating and jet skis. Located between Keystone Heights and Starke with easy commutes to Gainesville, Ocala, St Augustine and Jacksonville. Keystone Heights Airport 42J is nearby as well as local eateries and shopping. Don't miss this turn key home and get moved in before summer!

Cost to own

Mortgage calculator

Home Price

$434,000

Down Payment: 20%

$86,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,192

Principal & Interest: $2,192

Est. Taxes & Insurance: $548

Estimated Total Monthly

$2,740

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,310

Estimated total, before insurance$2,310/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,994/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

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 — year not disclosed (home built 1993)

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: ~1,778 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Feb 18, 2026Listed$434,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$434,000

Price / Sq Ft$241

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,802

Total Structure Area2,332 sq ft

Acres0.69 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

# of Carport Spaces1

Has PoolYes

Pool FeaturesIn Ground, Fenced, Pool Sweep, Salt Water

Is WaterfrontNo

School Information

MiddleBradford

HighBradford

Community Information

Address589 SE 71st Street, Starke, FL 32091

Area523-Bradford County-SE

SubdivisionCrystal Lake Homesites

CityStarke

CountyBradford

StateFL

Zip Code32091

Lot Size30,056.4 sq ft

Parcel Number05260000000

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAttached, Garage, RV Access/Parking

ViewPool

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Electric Water Heater, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup