Active·49 days on market
7848 NW 181st Way
Starke, FL 32091
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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
SELLER IS MOTIVATED! Enjoy space, privacy, and the possibilities of country living with this 2,400-square-foot home situated on 13.21 acres in Starke, Florida! Built in 2008, this property consists of three parcels being sold together and offers plenty of room for animals, gardening, hobbies, equipment, and more. A large front porch welcomes you home, while the property features an attached 2-car garage with a heated and cooled mechanical room perfect for additional storage, an additional separate garage ideal for lawn equipment, a pump house, and a storage shed. The acreage is already established with a fenced pen for goats or other livestock as well as a garden area. Inside, the spacious floor plan offers 4 bedrooms, with one perfectly suited for a home office, along with a designated dining room and comfortable great room. The kitchen provides an abundance of cabinet and countertop space for everyday cooking and entertaining.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone A — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 2008)
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: ~1,563 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 homeAs 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
- Oct 2, 2026Price change$700,000−$15,000
- Sep 14, 2026Price change$715,000−$15,000
- Aug 26, 2026Listed$730,000
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 $180/sq ft; this home is listed at $289/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 12240 NW 225 County Road, Starke, FL 32091Listed by FAULKNER REALTY, INC. | Jun 2026 | $269,000 | $135 | 4/2 | 1,998 | 45 | 0.3 |
| 8344 NW 188 Street, Starke, FL 32091Listed by RIVER CITY RENTALS AND REALTY | Aug 2026 | $355,000 | $197 | 3/2 | 1,800 | 41 | 0.8 |
| 18629 NW 84th Avenue, Starke, FL 32091Listed by UNITED COUNTRY SMITH & ASSOCIATES | Jun 2025 | $835,000 | $274 | 4/3.5 | 3,049 | 49 | 0.8 |
| 19262 NW 84th Avenue, Starke, FL 32091Listed by RAYTOWN HOMES & REALTY PLLC | Jan 2026 | $299,900 | $132 | 4/2 | 2,280 | 138 | 1.4 |
| 407 Lakeshore Drive, Starke, FL 32091Listed by MARK SPAIN REAL ESTATE | Jun 2026 | $360,000 | $180 | 4/2.5 | 1,995 | 156 | 2.9 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 MILLER ELITE LLC
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.
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Your Local Realtor
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 home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines