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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·47 days on market

6103 NW County Road 229

Starke, FL 32091

$365,900$243/sqftEst. $2,027/moMLS# 2161573
3
Beds
2
Baths
1,504
Sq Ft
2016
Built
2
Garage
No
Pool
FEMA Zone XNo HOA1.18 acresSingle 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 charming 3-bed, 2-bath ranch situated on 1.18 acres! Offering 1,504 sq. ft. of comfortable living space, this well-maintained home combines a functional floor plan with beautiful finishes. Step inside to find an inviting interior featuring a spacious kitchen, and a comfortable primary suite with an impressive private bath featuring a large tiled walk-in shower. The home also offers a convenient laundry area and an attached two-car garage for additional parking and storage. Outside, you'll love the home's classic curb appeal, welcoming covered front porch, and expansive yard surrounded by mature trees. A privacy-fenced backyard and covered rear porch provide plenty of space for relaxing, entertaining, pets, or simply enjoying the outdoors. If you have been looking for a move-in ready ready ranch that checks all the boxes, don't miss out and schedule your showing now!

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$2,027
Estimated total, before insurance$2,027/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$365,900
$73,180
Loan Term
Monthly Payment
$2,027
Principal & Interest: $2,027
Insurance (est.): $244
Estimated Total Monthly
$2,271
*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 — year not disclosed (home built 2016)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,631 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

Price & status history

  • Aug 24, 2026Listed$365,900

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 $243/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1330 Blanding Street, Starke, FL 32091Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$230,999$1813/11,276881.7
6664 SW 160th Street, Starke, FL 32091Listed by COLDWELL BANKER VANGUARD REALTYMar 2026$339,000$2982/21,137821.7
573 Utah Street, Starke, FL 32091Listed by JULIE MORROW PREMIER REALTY INCAug 2026$272,000$2303/21,184331.8
627 Francis Street, Starke, FL 32091Listed by CHAD AND SANDY REAL ESTATE GROUPJul 2026$174,900$1533/11,142482
17376 NW 36th Avenue, Starke, FL 32091Listed by RE/MAX SPECIALISTSJul 2026$65,000$564/11,152712
722 Madison Street, Starke, FL 32091Listed by RE/MAX SPECIALISTSSep 2026$150,000$1204/11,248632.1

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$365,900
Price / Sq Ft$243
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,504
Total Structure Area2,432 sq ft
Acres1.18 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

ElementaryStarke
MiddleBradford
HighBradford

Community Information

Address6103 NW County Road 229, Starke, FL 32091
Area522-Bradford County-NW
SubdivisionPine Acres Unit 2
CityStarke
CountyBradford
StateFL
Zip Code32091
Lot Size51,400.8 sq ft
Parcel Number02296000B04
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Propane
SewerSeptic Tank
Water SourcePrivate, Well
ParkingAdditional Parking, Attached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity System Owned

Exterior

Patio / PorchCovered, Front Porch, Porch, Rear Porch
FencingPrivacy, Wood
RoofShingle
ConstructionFiber Cement
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 24, 2026
Days on Market0
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, 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

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