$1,500,0002 bd · 3 ba · 2,238 sq ft
Active·5 days on market
4333 Seminole Street
Starke, FL 32091
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Starke
Enjoy Kingsley Lake living from this bluff-top home offering over 2,000 square feet, 2 bedrooms, 3 bathrooms, and an office that can be converted into a third bedroom. Two ensuite bathrooms each feature a tub and shower, while a cupola accent adds architectural charm to the living room. Supported by 40 engineered structural pilings extending 26 feet below grade, this home offers a distinctive setting for lakeside living. Start your mornings watching the sunrise from the deck, then head to the dock and dock house to enjoy time by the water. With flexible living space and inviting outdoor areas, this Kingsley Lake property is ready to become your everyday retreat.
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 (that applies to the reference bill above too).
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: material not specified — year not disclosed (home built 2002)
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: ~1,719 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 November 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Cecil Field Conservation Corridorabout 18 mi · 24.6 mi of trails
Closest public boat ramp
Camp Blanding FMA – Lowery Lake Boat Ramp (Saturday & Sunday Mornings Only)about 7 mi · Lowery Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 10 mi · Little Lake Johnson
Closest grocery store
Walmart Supercenterabout 19 mi · 10000 Omni Dr, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 6:47 AM, sunset 5:36 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,182,347 | $568,012 | — |
| 2024 | $1,160,829 | $551,297 | — |
| 2023 | $1,146,925 | $533,784 | — |
| 2022 | $1,077,641 | $516,781 | — |
| 2021 | $900,850 | $500,273 | — |
| 2020 | $790,545 | $492,676 | — |
2025 property taxes (current owner): $9,183/yr
Estimated taxes if purchased at asking price: ~$27,600/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Nov 2, 2026Listed$1,500,000
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 $166/sq ft; this home is listed at $670/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4093 Buena Vista Avenue, Starke, FL 32091Listed by MOMENTUM REALTY | Feb 2026 | $799,000 | $326 | 5/3 | 2,454 | 0 | 1.7 |
| 240 NE State Road 16, Starke, FL 32091Listed by CW REALTY | Apr 2026 | $295,000 | $166 | 4/2 | 1,779 | 68 | 2.2 |
| 406 NE State Road 16, Starke, FL 32091Listed by WATSON REALTY CORP | Oct 2025 | $175,000 | $108 | 4/2 | 1,620 | 10 | 2.3 |
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: COLDWELL BANKER SMITH AND SMITH 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.
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