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Active

Active·22 days on market

722 Madison Street

Starke, FL 32091

$179,900$144/sqftEst. $958/moMLS# 2152089

Beds

Baths

1,248

Sq Ft

1918

Built

—

Garage

Pool

About this home

Starke

722 W Madison St | Starke, FL -- Character, Space & Serious Potential Some homes check boxes. This one opens doors. Nestled in one of Starke's most established neighborhoods, this 4-bedroom, 1,248 sq ft single-family home is the kind of opportunity that doesn't sit on the market long. Whether you're a first-time buyer ready to plant roots, a growing family in need of room to breathe, or an investor with an eye for value -- this property delivers on all fronts. Classic hardwood floors flow through the main living areas, complemented by central heat and air for year-round comfort. The partially finished basement is a blank canvas waiting for your vision: home office, workshop, rec room -- the choice is yours. Step outside and you're minutes from downtown Starke, local schools, dining, and major commuter routes. Everything you need, right where you need it. Priced to move. Built to last. Schedule your private showing today.

Cost to own

Mortgage calculator

Home Price

$179,900

Down Payment: 20%

$35,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$909

Principal & Interest: $909

Est. Taxes & Insurance: $227

Estimated Total Monthly

$1,136

*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$958

Estimated total, before insurance$958/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: material not specified — year not disclosed (home built 1918)

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

Sewer (public record) · Private well (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,507 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