Bradford County property record for 15565 NE 16th Ave, Starke, FL 32091
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,559 sqft · built 1977 |
| Lot Size | 0.789 acres (34,412 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (Oct 2023) |
| Tax Bill | $4,124 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02794-A-00305 |
| Primary APN | 02794-A-00305 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,559 sqft Heated Area |
| Gross Area | 3,689 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 34,412 sqft (0.789 acres) |
| Garage Area | 168 sqft |
| Pool Area | 684 sqft |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 15565 NE 16TH AVE |
|---|---|
| City | STARKE |
| State | FL |
| Zip | 32091-6537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 26 6S 22 LOT 5 BLK 3 THE WOODS S/D |
| Legal Range | 22E |
| Legal Township | 06S |
| Legal Section | 26 |
| Legal Subdivision | THE WOODS S/D |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | BRADFORD FL |
| Township / Civil Division | STARKE |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 100 |
15565 NE 16th Ave is owned and occupied by an individual who bought it in October 2023.
Source: Bradford County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage WATSON MORTGAGE CORP |
| Nov 6, 2020 | Deed of Trust, Mortgage · Conventional with PMI SOUTHPOINT FIN'L SVCS |
| Oct 3, 2017 | Warranty Deed, Transfer SOUTHPOINT FIN'L SVCS |
| Apr 7, 2017 | Loan Modification, Mortgage · Conventional Mortgage COMMUNITY ST BK |
| Jan 17, 2017 | Deed of Trust, Mortgage · Line of Credit COMMUNITY ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2023 · Amount on File |
| Deed Sale | Oct 12, 2023 · Amount on File |
| Deed Document Number | 202304008541 |
| Deed Book / Page | 2048 / 154 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD FL |
| Property Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Document Number | 0004009929 |
|---|---|
| Date | Nov 14, 2025 |
| Book Page | 2181/171 |
| Instrument | 202504009929 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRADFORD FL |
| Recording Date | Oct 12, 2023 |
| Property Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Document Number | 0004008541 |
| Book / Page | 2048 / 154 |
| Map Reference | MB 3 PG 44 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 202304008541 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2023 |
| Title Company | SONSHINE TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,045.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15564 NE 16TH AVE, STARKE, FL 32091-6536 |
| Name | Verified Name |
|---|---|
| Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Document Number | 0002048156 |
|---|---|
| Date | Oct 12, 2023 |
| Instrument | 2048/156 |
| Name | WATSON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD FL |
| Property Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Document Number | 0004008754 |
| Instrument Date | Nov 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15565 NE 16TH AVE STARKE FL 320916537, STARKE, FL 32091-6537 |
| Document Number | 0004008754 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 001870/000432 |
| Instrument | 4008754 |
| Name | SOUTHPOINT FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | ALPHARETTA, GA 30005 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRADFORD FL |
| Recording Date | Oct 3, 2017 |
| Property Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Document Number | 0004009066 |
| Book / Page | 001703 / 000065 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 4009066 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15565 NE 16TH AVE STARKE FL 320916537, STARKE, FL 32091-6537 |
| Document Number | 4009067 |
|---|---|
| Date | Oct 3, 2017 |
| Book Page | 001703/000067 |
| Instrument | 4009067 |
| Name | SOUTHPOINT FIN'L SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | ALPHARETTA, GA 30005 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 2, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | BRADFORD FL |
| Property Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Document Number | 0004004115 |
| Instrument Date | Apr 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 20 WOODSIDE DR BREVARD NC 287123849, BREVARD, NC 28712-3849 |
| Document Number | 0004004115 |
|---|---|
| Date | May 4, 2017 |
| Book Page | 001680/000174 |
| Instrument | 4004115 |
| Name | COMMUNITY ST BK |
|---|---|
| Type | Bank |
| Address | STARKE, FL 32901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD FL |
| Property Address | 15565 NE 16TH AVE, STARKE, FL 32091-6537 |
| Document Number | 0004000876 |
| Instrument Date | Jan 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 20 WOODSIDE DR BREVARD NC 287123849, BREVARD, NC 28712-3849 |
| Document Number | 0004000876 |
|---|---|
| Date | Jan 30, 2017 |
| Book Page | 001665/000447 |
| Instrument | 4000876 |
| Name | COMMUNITY ST BK |
|---|---|
| Type | Bank |
| Address | STARKE, FL 32091 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 15565 NE 16th Ave was $4,124 with a homeowner's exemption, up 7.3% from the year before.
Source: Bradford County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bradford County |
| Unified School District | Bradford County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,124.00 (+7.31%) Homeowner's exemption | $286,803 (+2.9%) | $421,168 (+11.23%) Land $35,000 Building $386,168 |
| 2024 | $3,843.00 (+70.5%) Homeowner's exemption | $278,720 (+57.8%) | $378,643 (+53.86%) Land $25,000 Building $353,643 |
| 2023 | $2,254.00 (+5.33%) Homeowner's exemption | $176,634 (+3%) | $246,101 (+19.77%) Land $25,000 Building $221,101 |
| 2022 | $2,140.00 Homeowner's exemption | $171,489 | $205,484 Land $24,000 Building $181,484 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 15565 NE 16th Ave in Zone X, an area of minimal flood risk, within 500 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 500 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 15565 NE 16th Ave is moderate, ranking above 56% 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 56% of the US · lower than 71% 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: FCC Broadband Data Collection, based on 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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