Active·191 days on market
4333 Seminole Street
Starke, FL 32091
About this home
Starke
RARE KINGSLEY LAKE OPPORTUNITY! Motivated seller has made a significant price decrease. Enjoy 120' of prime waterfront, prized for clear waters, limited access to the public, helping preserve the peaceful environment. Whether boating, skiing, fishing, paddleboarding, swimming or simply relaxing by the water, the lifestyle is right outside your door. A private dock with a two-room enclosed dock house, an increasingly rare feature offering immediate lake access and exceptional potential to create your own waterfront retreat. Easily used as a 3-bedroom, designed to embrace its lakefront setting, with soaring ceilings, expansive windows and a charming cupola filling the open floor plan with natural light while showcasing water views from almost every room. Additional highlights include a gas fireplace with custom built-ins, ensuite bedrooms, custom lighting, a metal roof and creosote-treated pilings. *Some photos edited digitally to remove furniture
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 — year not disclosed (home built 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
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: ~1,709 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,182,347 | $568,012 | — |
| 2024 | $1,160,829 | $551,297 | — |
| 2023 | $1,146,925 | $533,784 | — |
| 2022 | $1,077,641 | $516,781 | — |
| 2021 | $900,850 | $500,273 | — |
| 2020 | $790,545 | $492,676 | — |
Estimated taxes if purchased at asking price: ~$29,300/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. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Aug 9, 2026Price change$1,595,000−$104,000
- Mar 15, 2026Listed$1,699,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOME SERVICES HEYMANN WILLIAMS · brendachandlerrealtor@gmail.com
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.
Keep looking
Similar homes in Starke
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?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines