Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 46
Active

$685,0004 bd · 4.5 ba · 2,785 sq ft

Active·93 days on market

9193 SW County Rd 225

Starke, FL 32091

$685,000$246/sqftEst. $3,735/mo mortgageMLS# 2158935
↓ $65,000 below original list
4
Beds
4.5
Baths
2,785
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10.13 acresSingle Family Residence1 storyNew construction

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

Tucked away on over 10 acres in Starke, FL, this brand-new construction delivers an unmatched combination of luxury, functionality, and wide-open Florida living. Every bedroom comes with its own private ensuite, while a dedicated home office, butler's pantry, mudroom, and designated laundry room speak to a layout that was truly built with daily life in mind. The kitchen steals the show — 42" soft-close shaker cabinets, quartz countertops, and a custom walk-in pantry with built-in shelving create a space worthy of any home chef. Bring the boat, RV, and ATVs - there's room for everything you love. Unwind on the front porch or covered back lanai, soaking in the stillness of your surroundings. Ideally located between JAX, Camp Blanding, and Gainesville! Backed by a builder's warranty! *Estimated completion NOV 2026. Photos of a similar floorplan. Carpet will be installed in bedrooms. Final specs and finishes 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 · 7.24% · 30yr$3,735
Estimated total, before insurance$3,735/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

$685,000
$137,000
Loan Term
Monthly Payment
$3,735
Principal & Interest: $3,735
Insurance (est.): $457
Estimated Total Monthly
$4,191
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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).

Read at the listing’s map pin. On a lot this size the zone can change across the property, and the pin may not be where the house stands.

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 2026)

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

Solar potential: ~1,240 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

History

Price & status history

  • Oct 21, 2026Price change$685,000−$10,000
  • Oct 8, 2026Price change$695,000−$5,000
  • Sep 22, 2026Price change$700,000−$50,000
  • Aug 6, 2026Listed$750,000

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 $152/sq ft; this home is listed at $246/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9987 SW 136th Street, Starke, FL 32091Listed by CW REALTYDec 2025$301,000$1523/21,9801650.9
7406 SW County Road 225, Starke, FL 32091Listed by COLDWELL BANKER VANGUARD REALTYJul 2025$415,000$1374/33,0381721.9

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$685,000
Price / Sq Ft$246
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage2,785
Acres10.13 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

MiddleBradford
HighBradford

Community Information

Address9193 SW County Rd 225, Starke, FL 32091
Area524-Bradford County-SW
SubdivisionMetes & Bounds
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Size441,262.8 sq ft
Parcel Number00832-0-00A09

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

Interior FeaturesButler Pantry, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionMany Trees
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedAugust 6, 2026
Days on Market93
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan, Other
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: RIVER CITY RENTALS AND 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines