$160,000
642 GARDINER Street, Starke, FL 32091, Starke, FL 32091
Dowling R N Add
- Price
- $160,000
- Beds / Baths
- 2 / 2
- Living area
- 848 sqft
- Year built
- 1940
- Type
- Residential
- Lot
- 0.13 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Bradford
- Days on market
- 70
- Elementary
- Southside
- Middle
- Bradford
- High school
- Bradford
$189/sqft asking, vs a $178/sqft median across 122 closed sales in 32091 over the last 12 months — 6% above the area's closed prices. Condition and lot vary; that's what a showing is for.
642 Gardiner St is a 1-story Starke single-family home built in 1940, offering 2 bedrooms and 1 bathroom across 1,002 square feet. The open-concept living and dining area flows into the kitchen, which features wood cabinetry, dark granite countertops, a tile backsplash, and black appliances. The bathroom includes a tub/shower combination with a vanity. Hardwood and tile flooring run throughout the home, and a covered front porch provides additional outdoor living space. The large yard offers ample space and completes this well-maintained residence.. Included 100-Day Home Warranty with buyer activation
What to check on this one
- Verify roof age and condition; 84-year-old home likely needs inspection/replacement soon
- Order 4-point inspection (required by most insurers for pre-1980 homes in Florida)
- Confirm actual flood zone via FEMA map; get elevation certificate if in AE/VE
- Check plumbing material—cast-iron/polybutylene common in 1940 homes; inspect for failures
- Pull septic vs. municipal sewer records; if septic, obtain maintenance history
- Verify HVAC system age and condition; get service records if available
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 $128,000 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 OPENDOOR BROKERAGE, LLC.. Data via realMLS (Northeast Florida MLS), updated Aug 28, 2026, 5:11 PM.
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