Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active Under Contract

Active Under Contract·76 days on market

1478 SE 150th Street

Starke, FL 32091

$750,000$270/sqftEst. $3,852/moMLS# 2150094

Beds

Baths

2,778

Sq Ft

2026

Built

Garage

Pool

About this home

Starke

Nestled in Starke, this stunning NEW CONSTRUCTION home offers an exceptional blend of thoughtful design, quality craftsmanship, and the kind of wide-open space that is increasingly rare to find -- all with no HOA! From the moment you step inside, the open floorplan impresses with natural light, elevated finishes, and a layout that seamlessly balances refined living with everyday practicality. The kitchen is built for those who love to cook and entertain, featuring generous storage and a butler's pantry. A dedicated mudroom and laundry room with built-in cabinetry ensure the home is as functional as it is beautiful. Each of the 4 bedrooms is accompanied by its own private ensuite bathroom, offering comfort and privacy for family and guests alike. The primary suite is in a class of its own -- dual vanities, a freestanding soaking tub, and a walk-in shower create a spa-like atmosphere designed

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,852

Principal & Interest: $3,852

Insurance (est.): $500

Estimated Total Monthly

$4,352

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,852

Estimated total, before insurance$3,852/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 2026)

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

Solar potential: ~1,700 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

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