Bradford County property record for 105 Valley Rd, Starke, FL 32091
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,590 sqft · built 2004 |
| Lot Size | 0.967 acres (42,150 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (May 2022) |
| Tax Bill | $5,023 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02896-0-00104 |
| Primary APN | 02896-0-00104 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,590 sqft Heated Area |
| Gross Area | 2,645 sqft |
| 2nd Floor Area | 884 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 42,150 sqft (0.967 acres) |
| Lot Dimensions | 281 ft deep x 150 ft wide |
| Garage Type | Mixed |
| Garage Area | 490 sqft |
| Carport | Carport |
| Carport Area | 200 sqft |
| Deck Area | 320 sqft |
|---|---|
| Patio Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Utility Building | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 105 VALLEY RD |
|---|---|
| City | STARKE |
| State | FL |
| Zip | 32091-3632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 27 6S 22 S145' OF LOT 3 PINEDALE S/D. |
| Legal Range | 22E |
| Legal Township | 06S |
| Legal Section | 27 |
| Legal Subdivision | PINEDALE |
| Legal Lot Number | 3 |
| Jurisdiction | BRADFORD FL |
| Township / Civil Division | STARKE |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 100 |
105 Valley Rd is owned and occupied by two individuals who bought it in May 2022.
Source: Bradford County records, as of December 18, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 105 VALLEY RD, STARKE, FL 32091-3632 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 29, 2020 | Deed of Trust, Mortgage CAPITAL CITY HM LNS LLC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | May 27, 2022 · Amount on File |
| Deed Sale | May 27, 2022 · Amount on File |
| Prior Sale | Nov 20, 2018 · Amount on File |
| Deed Document Number | 202204005244 |
| Deed Book / Page | 1973 / 159 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRADFORD FL |
| Recording Date | May 27, 2022 |
| Property Address | 105 VALLEY RD, STARKE, FL 32091-3632 |
| Document Number | 0004005244 |
| Book / Page | 1973 / 159 |
| Map Reference | MB 3 PG 39 |
| Instrument Date | May 26, 2022 |
| Instrument | 202204005244 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2022 |
| Title Company | SUNSHINE TITLE SERVICES INC, SUNSHINE TITLE SERVICES LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1557 LOUIE CARTER RD, 1557, JACKSONVILLE, FL 32234-3451 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 105 VALLEY RD, STARKE, FL 32091-3632 |
| Document Number | 0001973160 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 1973/160 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD FL |
| Property Address | 105 VALLEY RD, STARKE, FL 32091-3632 |
| Document Number | 0004008449 |
| Instrument Date | Oct 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 105 VALLEY RD STARKE FL 320913632, STARKE, FL 32091-3632 |
| Document Number | 0004008449 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 001869/000118 |
| Instrument | 4008449 |
| Name | CAPITAL CITY HM LNS LLC |
|---|---|
| Address | LAWRENCEVILLE, GA 30043 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 3, 2050 |
The 2025 property tax bill for 105 Valley Rd was $5,023 with exemptions applied, up 8.7% from the year before.
Source: Bradford County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bradford County |
| Municipality | Starke City |
| Unified School District | Bradford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,023.00 (+8.65%) Homeowner's exemption Widower's exemption | $299,592 (+7.46%) | $365,231 (+9.89%) Land $28,000 Building $337,231 |
| 2024 | $4,623.00 (+0.87%) Homeowner's exemption Widower's exemption | $278,792 (+3%) | $332,365 (+8.32%) Land $28,000 Building $304,365 |
| 2023 | $4,583.00 (+63.85%) Homeowner's exemption Widower's exemption | $270,672 (+51.83%) | $306,827 (+32.93%) Land $20,000 Building $286,827 |
| 2022 | $2,797.00 Homeowner's exemption | $178,271 | $230,824 Land $16,200 Building $214,624 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 105 Valley Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 43 policies |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 14 (1983–2017) |
| Claims Outside the SFHA | 4 of 14 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 risk around 105 Valley Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · lower than 78% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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