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

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Active·7 days on market

1206 Raiford Road

Starke, FL 32091

$475,000$197/sqftEst. $2,450/moMLS# 2157876

Beds

Baths

2,410

Sq Ft

1986

Built

Garage

Pool

About this home

Starke

Well maintained home located in the city of Starke, minutes from school,shopping,, medical needs and restaurants. Built in 1986, is waiting on new homeowners. Home is a 4BR, 2 Bath, closed in garage with room for storage attached to the garage, concrete drive entering the property, already landscaped, new AC, shingle roof has been replaced, large glassed in sunroom with tile flooring, section of backyard has been fenced in with chain link fencing to enjoy watching children play and for your pets, also has inside laundry room. As mentioned, the home has been well maintained, but would be a great project if you wanted to update to accomodate your style of living. Spacious rooms throughout the home allowing plenty of room for entertaining. The refrigerator has been removed, but seller will replace prior to closing. There is also an area for a dishwasher, however, current owners said one was not installed at the time of their purchase. Don't miss an opportunity to tour home.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,450

Principal & Interest: $2,450

Insurance (est.): $317

Estimated Total Monthly

$2,766

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,450

Estimated total, before insurance$2,450/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 1986)

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

Likely sewer · Private well (public record)

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

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

Solar potential: ~1,736 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 August 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