David Ramirez
$204,900$245,0003 bd2 ba1,392 sqft$147 /sqft$1,672 /mo all-in ↓

2355 SE STATE ROAD 100, STARKE, FL, 32091

Active128 days on marketListed Mar 19, 2026MLS #TB8487317

Priced 29% below the STARKE 32091 medianReduced $40KSingle Family ResidenceN/A

About this home

2355 SE STATE ROAD 100

Wow Step into vintage charm with this 3 Bedroom 2 Bath home located on fenced, gorgeous 1 acre of private land and right near growing Keystone Heights & facing west to see some amazing sunsets. The property could be a 4 bedroom with closets in each room. Recent updates include putting a door to the back of the property and adding a 16x16 Deck. There are newer Laminate floors installed throughout except for the Family Room which is a cozy room with Stone wall Fireplace with mantle and Wood-Burning Stove. The Kitchen has been updated with Bay Windows, Built-in Desk & lots of cabinets. The black and white retro bathroom displays timeless elegance. The Dining Room has a Pantry. Ceiling Fans throughout the home and plenty of closets. The metal roof has a remaining life of approx. 30 years. The property is zoned residential but could easily be converted if you wanted to have a business there too. LIVE AND WORK IN THE PROPERTY. Follow the trails in the woods and enjoy nature, freedom and meditation. Also, it will give you plenty of wood for the wood burning stove. Conveniently located just 5 minutes from the picturesque Lake Santa Fe, where angles catch sizable bass daily. Directly across the street from th Palatka Butler Trail. Close to Keystone Heights for restaurants, parks, bike and walking trails, shopping & more! PRESENT ALL OFFERS!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,392

Sqft

1 ac

Lot size

1963

Year built

One

Levels

$147

Per sqft

FireplaceTrees/Woods viewPartiallyPets allowed

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Split Bedroom · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedPartially

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
ViewTrees/Woods
FacesWest
ExteriorPrivate Entrance · Private Yard · Rain Gutters

Community & fees

Taxes (2025)$2,584/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Fiber Optics · Street Lights
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,672 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,206
FHA mortgage insurance (est.)$91
Property tax — 2025 actual bill$215
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,172Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $7,172
Interest rate6.00%
Loan term

Estimated payment

$1,672/mo

Principal & interest$1,206
FHA mortgage insurance (est.)$91
Property taxes (actual bill)$215
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $205K
$197KedgeAI estimate $320,789 · range $263K$488K$508K

vs edgeAI estimate

−36.1%

$/sqft vs N/A

$147 vs $286

Days on market

128 vs 22 typical

Where $147/sqft sits among the 229 homes for sale in N/A

121 · this home
56
24
9
3
16
$134–290$290–446$446–602$602–758$758–914$914+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Starke

Map of 2355 SE STATE ROAD 100

Get to know Starke. See the full Starke guide →

STARKE 32091 — neighborhood snapshot

Population

16,062

Median age

39.2

Median income

$53,522

Median home value

$175,200

Avg household

2.58

Households w/ children

1,747

The numbers that matter

The Starke market

Seller’s marketBalanced6.4 months of inventoryBuyer’s market

$399K$291K

Starke median sold, yr/yr

94.3%

Sale-to-list ratio (12 mo)

108 of 229

N/A have cut their price

Median sold price, Starke, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 29% below the STARKE 32091 median. See the full Starke market guide →

Paper trail

This home's history

CurrentPrice reduced to $204,900 $40K
Mar 19, 2026Listed at $245,000 · 128 days on market since
1963Built · N/A

Reality check

What actually sold near 2355 SE STATE ROAD 100

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

9559 SE 177TH COURTSold · Dec ’25

$900,000

9559 SE 177TH COURT · same community

2 bd · 2 ba · 1,344 sqft · $670/sqft · 10 DOM

911 NW 33RD AVENUESold · Dec ’25

$285,000

911 NW 33RD AVENUE · same community

3 bd · 2 ba · 1,454 sqft · $196/sqft · 80 DOM

13905 SW 143RD STREETSold · Dec ’25

$289,000

13905 SW 143RD STREET · same community

2 bd · 2 ba · 1,548 sqft · $187/sqft · 45 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2355 SE STATE ROAD 100 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2355 SE STATE ROAD 100 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

2355 SE STATE ROAD 100 FAQs

What would the monthly payment be for 2355 SE STATE ROAD 100?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,672/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 2355 SE STATE ROAD 100?+

The most recent tax bill on record (2025) was $2,584. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 2355 SE STATE ROAD 100?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Starke?+

At $204,900, this home is listed about 24% below the Starke median of $269,900. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Under the STARKE 32091 market on paper

$204,900 is 29% below the STARKE 32091 median of $290,000, and at $147/sqft it sits under the Starke average of $167.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

128 days on market against a Starke median of 22 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $245,000, now $204,900 — a $40K cut. The full history is in the market section below.

Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Erin Humphrey. MLS #TB8487317.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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