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Active

Active·75 days on market

486 Lakeshore Drive

Starke, FL 32091

$695,000$316/sqftEst. $3,699/moMLS# 2142928

Beds

Baths

2,200

Sq Ft

2013

Built

Garage

Pool

About this home

Starke

Great waterfront with Boat House with 1 boat lift and 2 Jet Ski lifts. All hardwood floors with open floor plan and a great screened porch with sauna.

Cost to own

Mortgage calculator

Home Price

$695,000

Down Payment: 20%

$139,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,511

Principal & Interest: $3,511

Est. Taxes & Insurance: $878

Estimated Total Monthly

$4,388

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,699

Estimated total, before insurance$3,699/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2013)

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

Septic system (public record) · 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: ~1,529 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

May 1, 2026Listed$695,000

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

Features

Price$695,000

Price / Sq Ft$316

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,200

Total Structure Area3,716 sq ft

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

MiddleBradford

HighBradford

Community Information

Address486 Lakeshore Drive, Starke, FL 32091

Area524-Bradford County-SW

SubdivisionLakewood Unit 1

CityStarke

CountyBradford

StateFL

Zip Code32091

Parcel Number00804001900

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Other

SewerAerobic Septic

Water SourcePublic

ParkingOther, Garage Door Opener, Guest

Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Downstairs, Other

AppliancesOther, Dishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Propane

CoolingCentral Air

FlooringWood

# of Stories1

LaundryLower Level