Active·3 days on market
434 SE 72nd Street
Starke, FL 32091
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
Imagine ending your day on the water — this stunning 4-bedroom, 2-bathroom new construction home sits on almost half an acre and delivers the perfect blend of modern design and laid-back Florida lakeside living. Inside, an open-concept layout creates a seamless flow between the living, dining, and kitchen areas — ideal for entertaining or everyday living. The split floorplan tucks the primary suite away for added privacy, while the 2-car garage leaves plenty of room for all your gear. Bring the boat, RV, and ATVs — join the voluntary HOA for just $75/year and take full advantage of the community water access with a boat launch, dock and pavillion! Located between Gainesville and JAX, you get the peace of country living without sacrificing convenience. All backed by a Builders Warranty for added peace of mind. *Photos are of model home shown for illustration only and are not of the actual property; final specs, colors, 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.
- • 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 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 2027)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,647 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 October 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 8, 2026Listed$385,000
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 $137/sq ft; this home is listed at $210/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 363 SE 72nd Street, Starke, FL 32091Listed by MAVREALTY | Jul 2026 | $215,000 | $137 | 3/1.5 | 1,566 | 7 | 0.1 |
| 6656 Lovebird Court, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $269,500 | $131 | 4/2 | 2,052 | 54 | 0.9 |
| 6737 Highland Drive, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLC | Jul 2026 | $225,000 | $128 | 4/2 | 1,763 | 56 | 1.1 |
| 499 58th Street, Keystone Heights, FL 32656Listed by CENTURY 21 LAKESIDE REALTY | Sep 2026 | $237,000 | $160 | 3/1.5 | 1,484 | 18 | 1.4 |
| 5756 S 55th Terrace, Keystone Heights, FL 32656Listed by MODERN REALTY OF FLORIDA | Jul 2026 | $170,000 | $99 | 2/2 | 1,716 | 244 | 1.6 |
| 7015 King Street, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Jun 2025 | $375,000 | $284 | 2/1 | 1,320 | 157 | 1.7 |
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: 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.
Keep looking
More homes in Crystal Lake Homesites
Pending450 SE 72nd StreetStarke, FL 32091
3 bd · 2 ba · 1,800 sq ft
$385,000Est. $2,049/moTo-be-built new construction by GOAT Construction in Crystal Lake Homesites. This single-story 3 bedroom, 2 bath home…
Listing Office: magnolia & oak real estate company llc
Pending168 W Wilbur AvenueLake Mary, FL 32746
1 bd · 1 ba · 855 sq ft
$250,000Est. $1,331/moInvestor opportunity in a great Lake Mary location! Public records show this home as a 1 bedroom, 1 bath with 855 sq…
Listing Office: mark spain real estate
Keep looking
Similar homes in Starke
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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines