640 Gardiner Street

• • 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.

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.

• May 13, 2026Listed$155,000

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

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  For Rent

  Lease

  19014 NW 51st Avenue Lot 62

  Starke, FL 32091

  3 bd · 2 ba · 1,600 sq ft

  $1,800/mo

  2026 3/2 Rental upgrades throughout. Lawn care and trash pick up included.

  Listing Office: cw realty

• 

  For Rent

  Lease

  991 Southern Villas Drive

  Starke, FL 32091

  2 bd · 1 ba · 1,300 sq ft

  $1,100/mo

  2/1 Rental close to downtown Starke, lawn care and pest control included.

  Listing Office: cw realty