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

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Active·3 days on market

7848 NW 181st Way

Starke, FL 32091

$650,000$268/sqftEst. $3,342/moMLS# 2161914

Beds

Baths

2,422

Sq Ft

2008

Built

Garage

Pool

About this home

Starke

Enjoy space, privacy, and the possibilities of country living with this 2,400-square-foot home situated on 8.98 acres in Starke, Florida! Built in 2008, this property 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, along with 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. One of the home's standout features is the large heated and cooled Florida room, complete with a bar area and propane stove

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,342

Principal & Interest: $3,342

Insurance (est.): $433

Estimated Total Monthly

$3,775

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,342

Estimated total, before insurance$3,342/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 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 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