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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·75 days on market

1191 Johns Drive

Starke, FL 32091

$260,000$192/sqftEst. $1,440/moMLS# 2157310
2
Beds
2
Baths
1,352
Sq Ft
1960
Built
2
Garage
No
Pool
FEMA Zone XNo HOASingle Family Residence1 story

See it this week

Want to walk through this home this week?

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

Welcome home to this 2-bedroom, 2-bath residence where timeless character meets classic Southern charm. You'll appreciate the original hardwood floors, details, and inviting spaces designed for comfortable living. The formal living room offers the perfect setting for entertaining, while the spacious step-down family room, complete with a cozy fireplace, is ideal for relaxing evenings and gathering with family and friends. Recent improvements provide peace of mind, including a new roof in 2025 and updated kitchen appliances. Outside, you'll discover a private backyard retreat unlike any other. Meandering garden paths wind through beautifully landscaped grounds, leading to a gazebo nestled among mature plants and greenery. The fully fenced backyard offers privacy, beauty, and the perfect space for gardening, outdoor entertaining, or enjoying the peaceful surroundings. Schedule your private showing today and experience everything this beautiful home.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,440
Estimated total, before insurance$1,440/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$260,000
$52,000
Loan Term
Monthly Payment
$1,440
Principal & Interest: $1,440
Insurance (est.): $173
Estimated Total Monthly
$1,613
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Private well (public record)

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,748 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:28 AM, sunset 7:02 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Jul 27, 2026Listed$260,000

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 $181/sq ft; this home is listed at $192/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1330 Blanding Street, Starke, FL 32091Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$230,999$1813/11,276880.2
1135 Neil Court, Starke, FL 32091Listed by CW REALTYAug 2026$212,000$1993/11,0641020.5
1200 Butler Road, Starke, FL 32091Listed by CW REALTYSep 2025$209,000$1723/21,216260.5
722 Madison Street, Starke, FL 32091Listed by RE/MAX SPECIALISTSSep 2026$150,000$1204/11,248630.6
627 Francis Street, Starke, FL 32091Listed by CHAD AND SANDY REAL ESTATE GROUPJul 2026$174,900$1533/11,142480.6
201 Alvarez Street, Starke, FL 32091Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAJun 2026$249,000$2083/21,200130.8

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.

Features

Price$260,000
Price / Sq Ft$192
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,352
Year Built1960
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

MiddleBradford
HighBradford

Community Information

Address1191 Johns Drive, Starke, FL 32091
Area522-Bradford County-NW
SubdivisionSaratoga Hgts
CityStarke
CountyBradford
StateFL
Zip Code32091
Parcel Number04050-0-00100

Amenities

Community FeaturesStreet Lights
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage

Interior

Interior FeaturesCeiling Fan(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringWood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionCleared, Dead End Street, Few Trees
Patio / PorchFront Porch, Glass Enclosed, Rear Porch, Screened
FencingFenced, Back Yard
RoofShingle
ConstructionBrick, Block
Other StructuresGazebo
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 27, 2026
Days on Market72
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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.

Your Local Realtor

Krista Fracke - Broker Associate

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 home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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