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Active

Active·28 days on market

8344 NW 188 Avenue

Starke, FL 32091

$369,000$205/sqftEst. $1,964/moMLS# 2151018

Beds

Baths

1,800

Sq Ft

2026

Built

Garage

Pool

About this home

Starke

Brand-NEW CONSTRUCTION on 1+ Acre, this move-in ready 3-bedroom, 2-bathroom home delivers 1,800 square feet of modern, thoughtfully designed living space in Starke. Vaulted ceilings in the living room create an impressive sense of space and openness, complemented by quartz countertops, brand-new appliances, and an open floorplan built for both everyday life and entertaining. The private owner's suite offers a true retreat, while the covered back lanai extends your living space outdoors -- perfect for year-round Florida enjoyment. A 2-car garage and 1+ unrestricted acre provide plenty of room for your boat, RV, or outdoor toys -- all with no HOA and no CDD. Perfectly situated just minutes from central Starke and within convenient reach of Jacksonville, Camp Blanding, Gainesville, and some of Florida's most beautiful state parks -- all with quick access to major roadways and backed by a builder's warranty. *Photos virtually enhaced with grass.

Cost to own

Mortgage calculator

Home Price

$369,000

Down Payment: 20%

$73,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,864

Principal & Interest: $1,864

Est. Taxes & Insurance: $466

Estimated Total Monthly

$2,330

*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$1,964

Estimated total, before insurance$1,964/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 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: ~898 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