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

1 / 46

Active

Active·Listed today

1935 SE 144th Street

Starke, FL 32091

$199,999$189/sqftEst. $1,027/moMLS# 2161259

Beds

Baths

1,057

Sq Ft

1991

Built

—

Garage

Pool

About this home

Starke

Very well kept home on a beautiful approximate acre of land, garden planted and no neighbors in site. You feel like you are the only one around, yet you are close to the country club, and not a far ride from down town to shopping, movies, and restaurants. This home can be a 3B if you wanted and another bath could be added in the laundry room. If you need more space in the future.

Cost to own

Mortgage calculator

Home Price

$199,999

Down Payment: 20%

$40,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,027

Principal & Interest: $1,027

Insurance (est.): $133

Estimated Total Monthly

$1,160

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,027

Estimated total, before insurance$1,027/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: material not specified — year not disclosed (home built 1991)

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

Solar potential: ~1,687 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