Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$159,000

646 N CHURCH Street, Starke, FL 32091, Starke, FL 32091

Micanopy Livingstons Addn

Price
$159,000
Beds / Baths
2 / 1
Living area
810 sqft
Year built
1930
Type
Residential
Lot
0.25 ac
Garage
0
HOA
None
CDD
No
Flood zone
Unknown
County
Bradford
Days on market
60
Middle
Bradford
High school
Bradford

$196/sqft asking, vs a $178/sqft median across 122 closed sales in 32091 over the last 12 months — 10% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Qualifies for fha and conventional. Charming Fully Renovated 2-Bedroom Home in Starke! This beautifully renovated 2-bedroom, 1-bath home is move-in ready and offers modern upgrades while maintaining its cozy charm. Inside, you'll find LVP flooring and a stylish kitchen complete with new appliances(2025). The new HVAC system, windows, and water heater provide comfort and efficiency year-round(2025). Step outside to enjoy the large enclosed rear porch, perfect for relaxing or entertaining. The roof was replaced in 2022, giving you peace of mind for years to come. Conveniently located within the city limits of Starke, this home is close to schools, shopping, and dining. Don't miss this fantastic opportunity--schedule your showing today!

What to check on this one

  • Verify roof replacement date and warranty documentation from 2022 work.
  • Confirm HVAC, water heater, windows, appliances installed in 2025 with warranties.
  • Obtain flood zone designation and elevation certificate from Bradford County.
  • Request detailed renovation scope—permits pulled, contractor licenses, inspection sign-offs.
  • Verify plumbing material (pre-1995 polybutylene risk) and electrical panel condition.

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

Principal & interest$825/mo
Property tax (1.1% eff., Bradford Co.)$146/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,263/mo

Loan $127,200 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 EXIT INSPIRED REAL ESTATE. Data via realMLS (Northeast Florida MLS), updated Aug 9, 2026, 5:57 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.