Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 52
Active

Active·18 days on market

18273 NW State Road 16

Starke, FL 32091

$347,500$234/sqftEst. $1,925/moMLS# 2135705
2
Beds
2
Baths
1,484
Sq Ft
1957
Built
—
Garage
No
Pool
FEMA Zone XNo HOA13.71 acresSingle Family Residence1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Starke

Nestled on 13.71 beautiful acres, this charming property offers a rare opportunity to enjoy peaceful country living surrounded by mature trees and natural beauty. The home carries a warm, lived-in character and is ready for your personal touch to make it your own. The property is well-equipped for those seeking space and functionality, featuring multiple storage sheds, a chicken coop, and a 2-stall horse barn complete with designated tack area. A detached garage has been thoughtfully converted into an additional storage area with a half bath, offering flexible living space for guests, hobbies, or a quiet home office. With plenty of room to roam, this wooded acreage is ideal for outdoor enthusiasts- perfect for ATV's, recreation, or simply enjoying the privacy and possibilities this land provides.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,925
Estimated total, before insurance$1,925/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$347,500
$69,500
Loan Term
Monthly Payment
$1,925
Principal & Interest: $1,925
Insurance (est.): $232
Estimated Total Monthly
$2,156
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — year not disclosed (home built 1957)

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: ~1,551 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 September 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, 2026Active$347,500

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 $163/sq ft; this home is listed at $234/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
17376 NW 36th Avenue, Starke, FL 32091Listed by RE/MAX SPECIALISTSJul 2026$65,000$564/11,152711.5
573 Utah Street, Starke, FL 32091Listed by JULIE MORROW PREMIER REALTY INCAug 2026$272,000$2303/21,184332
762 N Walnut Street, Starke, FL 32091Listed by THORNTON & CO REALTY INCApr 2026$150,000$1253/11,1994922.3
1330 Blanding Street, Starke, FL 32091Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$230,999$1813/11,276882.4
2884 NW 197th Street, Starke, FL 32091Listed by KELLER WILLIAMS GAINESVILLE REALTY PARTNERSJul 2026$291,000$1633/21,788212.4
627 Francis Street, Starke, FL 32091Listed by CHAD AND SANDY REAL ESTATE GROUPJul 2026$174,900$1533/11,142482.5

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

Price$347,500
Price / Sq Ft$234
Bedrooms2
Bathrooms2.00
Full Baths1
Half Baths2
Square Footage1,484
Total Structure Area1,944 sq ft
Acres13.71 acres
Year Built1957
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

MiddleBradford
HighBradford

Community Information

Address18273 NW State Road 16, Starke, FL 32091
Area522-Bradford County-NW
SubdivisionMetes & Bounds
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Size597,207.6 sq ft
Parcel Number02245000000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Primary Bathroom - Tub with Shower
AppliancesElectric Range, Electric Water Heater, Microwave, Refrigerator
HeatingPropane
CoolingWall/Window Unit(s)
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionFarm, Many Trees
Patio / PorchRear Porch, Screened
FencingBack Yard, Privacy
RoofShingle
ConstructionWood Siding
Other StructuresShed(s), Stable(s), Workshop
Road SurfaceAsphalt
Road FrontageState Road

Additional Information

Date ListedSeptember 22, 2026
Days on Market95
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CW REALTY

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

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 home

20+ 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines