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Active·30 days on market

12923 SE County Road 100A

Starke, FL 32091

$339,900$135/sqftEst. $1,749/moMLS# 2155252

Beds

Baths

2,510

Sq Ft

1995

Built

—

Garage

Yes

Pool

About this home

Starke

Welcome to peaceful country living on 3.5 fully fenced and gated acres in Bradford County! This spacious 4-bedroom, 3-bath triple-wide offers an open floor plan with a large living room, cozy fireplace, and a Jack-and-Jill bathroom. Enjoy the outdoors with an above-ground pool and expansive back deck, perfect for entertaining or relaxing. The property also features a pole barn with RV hookup, chicken coop, pump house for the well, and a durable metal roof. The beautifully maintained landscaping in both the front and back yards adds to the property's curb appeal. With plenty of room for hobbies, animals, and outdoor living, this property offers the best of country life while still being conveniently located. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$339,900

Down Payment: 20%

$67,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,749

Principal & Interest: $1,749

Insurance (est.): $227

Estimated Total Monthly

$1,976

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,749

Estimated total, before insurance$1,749/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: Metal — year not disclosed (home built 1995)

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

Septic system (public record) · 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: ~1,715 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