$445,0003 bd · 2 ba · 2,121 sq ft
Active·131 days on market
18909 NW State Road 16
Starke, FL 32091
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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, Lake Butler, Gainesville & Jacksonville,. THIS PROPERTY IS NOT FOR RENT OR LEASE.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
The house sits in FEMA Zone X (minimal flood hazard)
Zone A covers 33% of this 5.6-acre lot, away from the house; the rest is Zone X (minimal) 67%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.
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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 19 mi · 24.6 mi of trails
Closest public boat ramp
Camp Blanding FMA – Lowery Lake Boat Ramp (Saturday & Sunday Mornings Only)about 12 mi · Lowery Lake
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
History
Price & status history
- Nov 6, 2026Price change$445,000−$15,000
- Aug 6, 2026Price change$460,000−$25,000
- Jul 1, 2026Listed$485,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $143/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 18943 FL-16, Starke, FL 32091Listed by FREEDOM REALTY GROUP LLC | Oct 2025 | $100,000 | $65 | 3/2 | 1,536 | 15 | 0.1 |
| 19596 NW 56th Avenue, Starke, FL 32091Listed by CW REALTY | Apr 2026 | $240,000 | $143 | 3/2 | 1,683 | 27 | 0.9 |
| 5685 NW 175th Terrace, Starke, FL 32091Listed by CW REALTY | Nov 2025 | $235,000 | $130 | 3/2 | 1,809 | 99 | 1.4 |
| 17360 NW 55th Avenue, Starke, FL 32091Listed by TOP SOURCE REALTY LLC | Apr 2026 | $192,000 | $109 | 4/2 | 1,768 | 44 | 1.5 |
| 5882 NW 200th Street, Starke, FL 32091Listed by CW REALTY | Dec 2025 | $317,000 | $178 | 3/2 | 1,780 | 2 | 1.5 |
| 5551 NW 203rd Street, Starke, FL 32091Listed by CW REALTY | Oct 2025 | $749,900 | $307 | 4/2.5 | 2,439 | 3 | 1.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CW REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
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