$155,000
640 GARDINER Street, Starke, FL 32091, Starke, FL 32091
Orig Town Of Starke
- Price
- $155,000
- Beds / Baths
- 2 / 1
- Living area
- 896 sqft
- Year built
- 1950
- Type
- Residential
- Lot
- —
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Bradford
- Days on market
- 153
- Middle
- Bradford
- High school
- Bradford
$173/sqft asking, vs a $178/sqft median across 122 closed sales in 32091 over the last 12 months — 3% below the area's closed prices. Condition and lot vary; that's what a showing is for.
Charming home located within city limits, offering convenience and comfort in a desirable location. This 2-bedroom, 1-bath residence features a welcoming covered front porch--perfect for relaxing mornings or evening gatherings. Inside, you'll find a functional layout with ample natural light and cozy living spaces ideal for everyday living or investment potential. Situated close to shopping, dining, schools, and major roadways, this property combines accessibility with a sense of home. Whether you're a first-time buyer, downsizing, or looking for a rental opportunity, this home is full of potential.
What to check on this one
- Verify exact roof age and material; NE Florida insurers require details on homes 70+ years old.
- Order 4-point inspection (roof, HVAC, plumbing, electrical) — standard for pre-1980 homes here.
- Confirm flood zone designation with FEMA map; get elevation certificate if in AE/VE zone.
- Check plumbing material — polybutylene or cast iron common in 1950s; costly to replace.
- Pull septic vs. municipal sewer records; if septic, verify maintenance history and tank location.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $124,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of CW REALTY. Data via realMLS (Northeast Florida MLS), updated Jul 6, 2026, 4:26 PM.
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