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Active

Active·113 days on market

Lot 3 County Road 225

Starke, FL 32091

$675,000$292/sqftEst. $3,470/moMLS# 2143802

Beds

Baths

2,315

Sq Ft

2027

Built

Garage

Pool

About this home

Starke

Your dream home awaits on over 10 ACRES--offering privacy, space, and endless possibilities! This stunning new build features 4-bedrooms, 3-bathrooms, and a guest suite. The chef-inspired kitchen shines with an unforgettable walk-in pantry. The combined dining and living creates an open, airy feel perfect for both everyday living and entertaining. Enjoy a modern split floor plan, stylish finishes throughout, and the freedom to make the property your own with NO HOA and plenty of room to grow or expand. Relax and unwind on the front and back porches, making this home the perfect private retreat! Outside, the 3-car garage with over 600 sqft of space is ideal for storing ATVs, equipment, or all your recreational toys. *Property not yet finished and final specs and finishes may. Photos are of similar floor plan.

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,470

Principal & Interest: $3,470

Insurance (est.): $450

Estimated Total Monthly

$3,920

*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$3,470

Estimated total, before insurance$3,470/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: Shingle — year not disclosed (home built 2027)

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

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