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Active

Active·20 days on market

8961 SW 137th Street

Starke, FL 32091

$615,000$234/sqftEst. $3,136/moMLS# 2154150

Beds

Baths

2,630

Sq Ft

1983

Built

—

Garage

Pool

About this home

Starke

Experience the beauty of waterfront living on Sampson Lake with this well-maintained 3-bedroom, 2-bath home offering 2,630 square feet of comfortable living space on a rare 2.5-acre lakefront property. Priced below its pre-market appraisal, this home presents an exceptional opportunity to own one of the area's most desirable waterfront properties. Designed for enjoying life on the lake, the property features a private dock with electricity and water, an artesian well, and a re-dug canal for added accessibility. Recent improvements include a 5-year-old roof and complete replumbing, providing peace of mind for years to come. Whether you're looking for a full-time residence or a weekend retreat, this property offers the perfect combination of privacy, acreage, and waterfront living. With expansive outdoor space, stunning lake views, and direct access to Sampson Lake, opportunities like this are truly rare. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$615,000

Down Payment: 20%

$123,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,136

Principal & Interest: $3,136

Insurance (est.): $410

Estimated Total Monthly

$3,546

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,136

Estimated total, before insurance$3,136/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 1983)

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: ~1,615 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

Price & status history

Jul 7, 2026Listed$615,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$615,000

Price / Sq Ft$234

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,630

Acres2.50 acres

Year Built1983

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontYes

School Information

MiddleBradford

HighBradford

Community Information

Address8961 SW 137th Street, Starke, FL 32091

Area524-Bradford County-SW

SubdivisionSampson Lake Villas

CityStarke

CountyBradford

StateFL

Zip Code32091

Lot Size108,900 sq ft

Parcel Number00832000106

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourcePrivate, Well

ParkingCarport

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms

AppliancesDishwasher, Electric Range, Electric Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup

Window FeaturesSkylight(s)