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Active

Active·49 days on market

524 St Clair Street

Starke, FL 32091

$499,000$125/sqftEst. $2,656/moMLS# 2147274

Beds

Baths

4,000

Sq Ft

1950

Built

—

Garage

Pool

About this home

Starke

This listing is for five single family homes in Starke FL. Four of these homes are on one lot, and the sale includes an adjacent vacant lot. The fifth home is located at 1408 Old Lawtey Rd and is a concrete block 3/1. The four homes on one lot all have window units for heating and cooling except for 524 St Clair that has central, 2 have metal roofs and 2 have newer architectural shingle roofs. The 3/1 was recently renovated with new plumbing, electrical, roof and central AC. All homes have vinyl flooring. Rents are $1050 for 524 St Clair, $1100 for 520 St Clair St, $1020 For 711 Thomas St, $850 for 713 Thomas St and $1200 for 1408 Old Lawtey. Tenants are responsible for all utilites, but owner covers lawn care. Could add value by moving lawn care over to the tenants and bringing 713 Thomas St to market rent.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,521

Principal & Interest: $2,521

Est. Taxes & Insurance: $630

Estimated Total Monthly

$3,151

*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$2,656

Estimated total, before insurance$2,656/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

2025 property taxes (current owner): $4,855/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. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — 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: Metal, Shingle — year not disclosed (home built 1950)

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: ~1,214 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 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