1005 Palm St, Starke, FL 32091 Property Records

Bradford County property record for 1005 Palm St, Starke, FL 32091

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,928 sqft · built 1961
Lot Size	0.358 acres (15,600 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Aug 2022)
Tax Bill	$3,886 (2025)
Deeds & Mortgages	May 2025 Mortgage Aug 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04394-B-00700`

Property Details

APN / Parcel Number

Primary APN	`04394-B-00700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,928 sqft Heated Area
Gross Area	3,096 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	15,600 sqft (0.358 acres)
Lot Dimensions	130 ft deep x 120 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Shed	1 Shed
Shed Area	112 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	1005 PALM ST
City	STARKE
State	FL
Zip	32091-4322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 6S 22 LOTS 7-8 OF BLK 2 SOUTH GATE REPLAT S/D
Legal Range	22E
Legal Township	06S
Legal Section	33
Legal Subdivision	SOUTH GATE REPLAT S/D
Legal Block	2
Legal Lot Number	7-8 8
Jurisdiction	BRADFORD FL
Township / Civil Division	STARKE
Census Block Group	3
Census Block	3014
Census Tract	100

Owner

Source: Bradford County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1005 PALM ST, STARKE, FL 32091-4322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 2, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 12, 2022	Warranty Deed, Transfer OS NATIONAL LLC
May 2, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Mar 28, 2018	Warranty Deed, Transfer · FHA Mortgage CONGRESSIONAL BANK
Jul 13, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2022 · Amount on Record
Deed Sale	Aug 2, 2022 · Amount on Record
Prior Sale	Apr 12, 2022 · Amount on Record
Deed Document Number	202204007298
Deed Book / Page	1983 / 468
Record Updated	Sep 20, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	1005 PALM ST, STARKE, FL 32091-4322
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 PALM ST, STARKE, FL 32091-4322

Mortgage

Document Number	0004004095
Date	May 12, 2025
Book Page	2149/138
Instrument	202504004095

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Aug 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Aug 2, 2022
Property Address	1005 PALM ST, STARKE, FL 32091-4322
Document Number	0004007298
Book / Page	1983 / 468
Map Reference	MB 3 PG 1
Instrument Date	Jul 26, 2022
Instrument	202204007298
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 PALM ST, STARKE, FL 32091-4322

Mortgage

Document Number	0004007299
Date	Aug 2, 2022
Book Page	1983/470
Instrument	202204007299

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Apr 12, 2022
Property Address	1005 PALM ST, STARKE, FL 32091-4322
Document Number	0004003542
Book / Page	1964 / 453
Map Reference	MB 3 PG 1
Instrument Date	Mar 30, 2022
Instrument	202204003542
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,792.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 PALM ST, STARKE, FL 32091-4322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	1005 PALM ST, STARKE, FL 32091-4322
Document Number	0004003586
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1005 PALM ST STARKE FL 320914322, STARKE, FL 32091-4322

Mortgage

Document Number	0004003586
Date	May 20, 2020
Book Page	001843/000444
Instrument	4003586

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Mar 28, 2018
Property Address	1005 PALM ST, STARKE, FL 32091-4322
Document Number	0004002631
Book / Page	1727 / 061
Map Reference	MB 3 PG 1
Instrument Date	Mar 26, 2018
Instrument	201804002631
Transaction Type	Transfer
Record Updated	Jan 7, 2022
Title Company	SONSHINE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,239.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX A, STARKE, FL 32091-1285

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 PALM ST, STARKE, FL 32091-4322

Mortgage

Document Number	0004002632
Date	Mar 28, 2018
Instrument	201804002632

Lender

Name	CONGRESSIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BRADFORD FL
Recording Date	Jul 13, 2017
Property Address	1005 PALM ST, STARKE, FL 32091-4322
Document Number	0004006515
Book / Page	001691 / 000205
Instrument Date	Jun 22, 2017
Instrument	4006515
Transaction Type	Foreclosure
Record Updated	Aug 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$567.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bradford County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bradford County
Municipality	Starke City
Unified School District	Bradford County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,886.00 (+3.16%) Homeowner's exemption	$237,804 (+2.9%)	$258,015 (+5.65%) Land $37,000 Building $221,015
2024	$3,767.00 (+0.96%) Homeowner's exemption	$231,102 (+3%)	$244,220 (+8.85%) Land $37,000 Building $207,220
2023	$3,731.00 (+171.94%) Homeowner's exemption	$224,371 (+104.86%) Land $29,000 Building $195,371	$224,371 (+74.19%) Land $29,000 Building $195,371
2022	$1,372.00 Homeowner's exemption	$109,524	$128,808 Land $19,500 Building $109,308

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 2, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	20 (1980–2024)
Claims Outside the SFHA	9 of 20
Most Recent Claim	Aug 2024 · Hurricane Debby
Claims by Event	Hurricane Irma, Sep 2017 · 7 claims Tropical Storm Debby, Jun 2012 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF STARKE serves 6,800 people · EPA ID FL2040211
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	10 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

1005 Palm St, Starke, FL 32091 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Palm St

Nearby Streets

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