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

1 / 47

Active Under Contract

Active Under Contract·58 days on market

1659 SR 230

Starke, FL 32091

$359,000$163/sqftEst. $1,846/moMLS# 2153664

Beds

Baths

2,202

Sq Ft

1994

Built

—

Garage

Pool

About this home

Starke

This 3-bedroom, 2-bath home in Starke, FL offers a large bonus room, perfect as a home office, playroom, or media space, along with a spacious primary suite featuring its own en-suite bath. The home has just been deep cleaned throughout and is now vacant, making it easy to picture your own furniture and layout from the moment you walk in. Out back, enjoy a fully fenced yard with a covered patio area. Sitting on 1 acre, this low-maintenance grounds mean more time enjoying the space, less time keeping it up. A 2-car carport adds everyday convenience, and the location puts you just minutes from downtown Starke, with easy access to both Jacksonville and Gainesville. Located near the well-established Starke Golf and Country Club neighborhood. Motivated seller - schedule your showing today.

Cost to own

Mortgage calculator

Home Price

$359,000

Down Payment: 20%

$71,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,846

Principal & Interest: $1,846

Insurance (est.): $239

Estimated Total Monthly

$2,085

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,846

Estimated total, before insurance$1,846/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 1994)

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: ~1,633 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