Pending·102 days on market
421 N Polk Street
Starke, FL 32091
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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
Welcome to 421 N Polk Street in the heart of Starke--where comfort, convenience, and value come together in one inviting home. This thoughtfully updated 3-bedroom, 2-bath property features fresh interior paint and brand-new flooring, giving it a clean, modern feel that's ready for its next chapter. Step inside to find a functional layout with comfortable living spaces and plenty of natural light. The recent updates make this home truly move-in ready, whether you're just starting out, simplifying your lifestyle, or expanding your investment portfolio. First-time buyers will appreciate the affordability and ease of ownership, while those looking to downsize will love the manageable size without sacrificing essential space. For investors, this property offers strong rental potential in a steady market--making it a smart addition to any portfolio. If you've been waiting for a well-maintained, updated home at a great value, this is one you won't want to miss. Schedule your showing today!
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: material not specified — year not disclosed (home built 1940)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely sewer · Private well (public record)
County records indicate this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,398 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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.
History
Price & status history
- Oct 7, 2026Pending$159,000
- Sep 22, 2026Price change$159,000−$6,000
- Jul 29, 2026Price change$165,000−$8,803
- Jul 10, 2026Price change$173,803−$5,000
- Jul 1, 2026Listed$178,803
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 $199/sq ft; this home is listed at $130/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 627 Francis Street, Starke, FL 32091Listed by CHAD AND SANDY REAL ESTATE GROUP | Jul 2026 | $174,900 | $153 | 3/1 | 1,142 | 48 | 0.1 |
| 722 Madison Street, Starke, FL 32091Listed by RE/MAX SPECIALISTS | Sep 2026 | $150,000 | $120 | 4/1 | 1,248 | 63 | 0.3 |
| 201 Alvarez Street, Starke, FL 32091Listed by IRON VALLEY REAL ESTATE NORTH FLORIDA | Jun 2026 | $249,000 | $208 | 3/2 | 1,200 | 13 | 0.3 |
| 430 Center Street, Starke, FL 32091Listed by FLORIDA'S CHOICE REALTY LLC | Mar 2026 | $160,000 | $185 | 2/1 | 864 | 63 | 0.3 |
| 1135 Neil Court, Starke, FL 32091Listed by CW REALTY | Aug 2026 | $212,000 | $199 | 3/1 | 1,064 | 102 | 0.5 |
| 573 Utah Street, Starke, FL 32091Listed by JULIE MORROW PREMIER REALTY INC | Aug 2026 | $272,000 | $230 | 3/2 | 1,184 | 33 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Additional Information
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.
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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