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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·72 days on market

9113 SW County Rd 225

Starke, FL 32091

$615,000$271/sqftEst. $3,407/moMLS# 2158939
↓ $10,000 below original list
4
Beds
3
Baths
2,272
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XNo HOA10.23 acresSingle Family Residence1 storyNew construction

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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 to Old Cypress Farms — a place where space, privacy, and intentional design come together beautifully. Nestled on over 10 acres in Starke, FL, this stunning new build offers 4 spacious bedrooms, 3 bathrooms, and a guest suite with its own private ensuite, ensuring comfort and privacy for everyone under the roof. At the heart of the home, a chef-inspired kitchen shines with a showstopping walk-in pantry and custom built-in shelving. A modern split floorplan and stylish finishes throughout create a space that is as functional as it is beautiful — every detail thoughtfully considered. With 10+ acres and no HOA or CDD, the possibilities here are truly yours to define. Perfectly positioned between Jacksonville, Camp Blanding, and Gainesville — a genuine retreat that doesn't compromise on commute. Backed by a builder's warranty. Estimated completion November 2026. Photos are of a similar floorplan. 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 · 7.4% · 30yr$3,407
Estimated total, before insurance$3,407/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

$615,000
$123,000
Loan Term
Monthly Payment
$3,407
Principal & Interest: $3,407
Insurance (est.): $410
Estimated Total Monthly
$3,817
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 — year not disclosed (home built 2026)

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

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.

Around this address

Nearby, from public data

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

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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 8, 2026Price change$615,000−$5,000
  • Sep 22, 2026Price change$620,000−$5,000
  • Aug 6, 2026Listed$625,000

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 $271/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
9987 SW 136th Street, Starke, FL 32091Listed by CW REALTYDec 2025$301,000$1523/21,9801651
7850 SW 137th Street, Starke, FL 32091Listed by CW REALTYJun 2025$410,000$2473/2.51,658691.2
6771 SW County Road 225, Starke, FL 32091Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$255,000$1404/21,823642.4

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$615,000
Price / Sq Ft$271
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,272
Acres10.23 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

Address9113 SW County Rd 225, Starke, FL 32091
Area524-Bradford County-SW
SubdivisionMetes & Bounds
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Size445,618.8 sq ft
Parcel Number00832-0-00A08

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingGarage

Interior

Interior FeaturesKitchen Island, Open Floorplan
AppliancesDishwasher, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedAugust 6, 2026
Days on Market67
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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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