Sold·Closed Sep 1, 2026·49 days on market
4905 SE 109th Street
Starke, FL 32091
About this home
Starke
BACK ON MARKET DUE TO NO FAULT OF SELLER. This property offers rare privacy on a 10.12-acre parcel just outside city limits, featuring a solid single-family home and a large metal barn -- ideal for storing boats, equipment or toys. A secluded pond along the north side of the property adds country charm and outdoor recreation potential. Recent 2025 upgrades include a brand-new HVAC system and water heater, plus a completely renovated interior: fresh paint, new flooring and a modern kitchen. The metal roof is 3+ years old, giving long-term value and low maintenance. Enjoy the spaciousness and versatility this property delivers -- whether you're looking for a private homestead, storage for recreational gear, or ample land for future expansion.
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 (that applies to the reference bill above too).
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.
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: Metal — year not disclosed (home built 1971)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,717 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 homeThis 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.
Closest park or preserve
Cecil Field Conservation Corridorabout 26 mi · 24.6 mi of trails
Closest public boat ramp
Camp Blanding FMA – Lowery Lake Boat Ramp (Saturday & Sunday Mornings Only)about 7 mi · Lowery Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 11 mi · Little Lake Johnson
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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:32 AM, sunset 6:55 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $3,611/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.
History
Price & status history
- Sep 2, 2026Closed$439,900
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 $187/sq ft; this home is listed at $179/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 10055 Fox Hollow Drive, Hampton, FL 32044Listed by REAL BROKER LLC | Jan 2026 | $339,707 | $188 | 3/2 | 1,810 | 121 | 1.7 |
| 4901 SE 89th Place, Hampton, FL 32044Listed by CW REALTY | Jul 2025 | $280,000 | $123 | 4/2 | 2,280 | 11 | 1.8 |
| 12192 SE 21st Avenue, Starke, FL 32091Listed by FLORIDA HOMES REALTY & MTG LLC | Apr 2026 | $339,000 | $182 | 3/2 | 1,863 | 14 | 2.2 |
| 5502 SE 86th Street, Hampton, FL 32044Listed by JULIE MORROW PREMIER REALTY INC | Nov 2025 | $192,000 | $112 | 3/2 | 1,716 | 6 | 2.3 |
| 7586 SW CR 18, Hampton, FL 32044Listed by UNITED COUNTRY SMITH & ASSOCIATES | Oct 2025 | $615,000 | $292 | 3/2.5 | 2,108 | 3 | 2.3 |
| 7394 SE SR 100, Starke, FL 32091Listed by RIVER CITY RENTALS AND REALTY | Sep 2026 | $425,000 | $187 | 4/3 | 2,272 | 139 | 2.6 |
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: MILLER REAL ESTATE, INC
Sold by: AJ REALTY GROUP FLORIDA INC (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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 1, 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
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