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Active

Active·14 days on market

18909 NW State Road 16

Starke, FL 32091

$485,000$229/sqftEst. $2,581/moMLS# 2153401

Beds

Baths

2,121

Sq Ft

1965

Built

Garage

Pool

About this home

Starke

Beautifully well maintained home on about 5.33 acres with well manicured yard featuring pecan trees, rose bushes, crepe myrtles & even a palm tree.The stocked fish pond makes a perfect spot to relax & do some fishing.The yard is fenced & is gated.Circular driveway & walkway.There is a 2 car garage with laundry hook-up.The inside features 3 bedrooms & 2 baths with hardwood & tile floors.The sunroom off of the dining area is a nice area to relax & enjoy the birds.The large livingroom offers ample space for lots of family.If you prefer a more quiet space then the den would be for you.The concrete block building could be used for a workshop.Easy commute to Lake City, Lakr Butler, Gaionesville & Jacksonville,.

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,450

Principal & Interest: $2,450

Est. Taxes & Insurance: $612

Estimated Total Monthly

$3,062

*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$2,581

Estimated total, before insurance$2,581/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 1965)

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: ~1,747 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