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Pending

Pending·147 days on market

18273 NW State Road 16

Starke, FL 32091

$347,500$234/sqftEst. $1,788/moMLS# 2135705

Beds

Baths

1,484

Sq Ft

1957

Built

—

Garage

Pool

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

Mortgage calculator

Home Price

$347,500

Down Payment: 20%

$69,500

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,788

Principal & Interest: $1,788

Insurance (est.): $232

Estimated Total Monthly

$2,020

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,788

Estimated total, before insurance$1,788/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.

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: Shingle — year not disclosed (home built 1957)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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

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.