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Active

Active·158 days on market

698 Gene Drive

Starke, FL 32091

$297,000$138/sqftEst. $1,527/moMLS# 2136982

Beds

Baths

2,152

Sq Ft

1967

Built

Garage

Pool

About this home

Starke

A home in a very sought after neighborhood! This homes location is near walking on nearby sidewalks and close proximity to town and shopping. It also offers a large front yard and privacy fenced back yard. On the inside it has space, a family room, living room, dining room for space for family or entertainment. The home has had paint and flooring updated.

Cost to own

Mortgage calculator

Home Price

$297,000

Down Payment: 20%

$59,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,527

Principal & Interest: $1,527

Insurance (est.): $198

Estimated Total Monthly

$1,725

*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$1,527

Estimated total, before insurance$1,527/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: material not specified — year not disclosed (home built 1967)

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

Sewer (public record) · Private well (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,662 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