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This home is in Deerwood, Starke.

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Active Under Contract

Active Under Contract·164 days on market·Deerwood

13982 SE 48th Avenue

Starke, FL 32091

$288,000$176/sqftEst. $1,481/moMLS# 2135247

Beds

Baths

1,638

Sq Ft

1973

Built

Garage

Pool

About this home

Deerwood

Welcome home to this charming 3-bedroom, 2-bath brick residence offering 1,638 sq ft of living space in a quiet neighborhood close to shopping and everyday conveniences. The interior features a galley kitchen that overlooks into a spacious dining area. Throughout the home there is ample storage. Recent updates include a new roof in 2024, updated septic system and a new water heater, adding extra value and peace of mind. Outside, enjoy a two-car garage and a fenced yard perfect for pets, play, or entertaining. This home combines comfort, convenience, and practicality. Easy commute to Gainesville or Jacksonville.

Cost to own

Mortgage calculator

Home Price

$288,000

Down Payment: 20%

$57,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,481

Principal & Interest: $1,481

Insurance (est.): $192

Estimated Total Monthly

$1,673

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,481

Estimated total, before insurance$1,481/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: Shingle — 2024 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic · Public water · dbo_arcims_well_20220322

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: ~1,767 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

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

Price & status history

Aug 2, 2026Active Under Contract$288,000
Mar 17, 2026Listed$288,000

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

Features

Price$288,000

Price / Sq Ft$176

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,638

Acres0.80 acres

Year Built1973

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

MiddleBradford

HighBradford

Community Information

Address13982 SE 48th Avenue, Starke, FL 32091

Area523-Bradford County-SE

SubdivisionDeerwood

CityStarke

CountyBradford

StateFL

Zip Code32091

Lot Size34,848 sq ft

Parcel Number04703B02100

Amenities

UtilitiesCable Available, Electricity Connected, Water Connected

SewerSeptic Tank

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Shower No Tub

AppliancesDishwasher, Electric Range, Refrigerator

HeatingElectric

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

FencingFenced, Back Yard, Chain Link

RoofShingle

ConstructionBrick

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedMarch 17, 2026

Days on Market139

Tax Year2025

Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About Deerwood

Deerwood is a neighborhood in Jacksonville, FL (Bradford County), ZIP 32091.

View all Deerwood homes for sale →

Listing Courtesy of: CW REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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