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Active

Active·55 days on market

6249 Lake Drive

Starke, FL 32091

$750,000$134/sqftEst. $3,992/moMLS# 2146489

Beds

Baths

5,617

Sq Ft

1964

Built

Garage

Yes

Pool

About this home

Starke

Experience the perfect blend of space, privacy, and convenience just minutes from Kingsley Lake. Situated on 4.4 private acres, this unique estate offers endless possibilities for full-time living, multi-generational living, vacation rental income, or a private retreat. The impressive 5,617 SF main home features 5 bedrooms and 3.5 bathrooms with plenty of room for entertaining or flexible living arrangements. Enjoy your own screened pool area, perfect for relaxing after a day on the lake. The property also includes a beautifully renovated guest home ideal for extended family, visitors, or rental income potential. A detached oversized carport provides ample space for your RV, boat, and recreational equipment. Located near Kingsley Lake, where, with an associate membership to Camp Blanding, you'll enjoy quick access to boating, fishing, and outdoor recreation while maintaining the privacy of acreage living.

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,788

Principal & Interest: $3,788

Est. Taxes & Insurance: $947

Estimated Total Monthly

$4,736

*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$3,992

Property taxesest. at asking price, Clay County$1,149

HOAbilled voluntary$50

Estimated total, before insurance$5,191/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$591,748	$540,089	—
2024	$490,990	$490,990	—
2023	$490,285	$490,285	—
2022	$458,210	$458,210	▼ $265,208
2021	$602,349	$260,330	—
2020	$571,956	$256,046	—

Estimated taxes if purchased at asking price: ~$13,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

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 1964)

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

Likely septic · 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: ~1,756 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