Bradford County property record for 2109 Raiford Rd, Starke, FL 32091
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,070 sqft · built 1940 |
| Lot Size | 3.5 acres (152,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Jun 2023) |
| Tax Bill | $2,076 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Jun 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02336-0-00000 |
| Primary APN | 02336-0-00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,070 sqft Heated Area |
| Gross Area | 1,972 sqft |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 152,460 sqft (3.5 acres) |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Patio Area | 40 sqft |
| Shed | 1 Shed |
| Shed Area | 1,500 sqft |
| Utility Building | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 2109 RAIFORD RD |
|---|---|
| City | STARKE |
| State | FL |
| Zip | 32091-1452 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20 6S 22 N170' OF N1/2 OF NE1/4 W OF SR-16. |
| Legal Range | 22E |
| Legal Township | 06S |
| Legal Section | 20 |
| Legal Subdivision | CITY PARK |
| Legal Lot Number | 5 |
| Jurisdiction | BRADFORD FL |
| Township / Civil Division | STARKE |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 202 |
2109 Raiford Rd is owned and occupied by an individual who bought it in June 2023.
Source: Bradford County records, as of December 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2109 RAIFORD RD, STARKE, FL 32091-1452 |
| 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 |
|---|---|
| Oct 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage VYSTAR CREDIT UNION |
| Jun 9, 2023 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 9, 2023 · Amount on File |
| Deed Sale | Jun 9, 2023 · Amount on File |
| Prior Sale | Aug 15, 2012 · Amount on File |
| Deed Document Number | 202304004710 |
| Deed Book / Page | 2029 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD FL |
| Recording Date | Oct 14, 2026 |
| Property Address | 2109 RAIFORD RD, STARKE, FL 32091-1452 |
| Document Number | 0000009134 |
| Book / Page | 2239 / 96 |
| Instrument Date | Oct 7, 2026 |
| Instrument | 20269134 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2109 RAIFORD RD, STARKE, FL 32091-1452 |
| Document Number | 0000009134, |
|---|---|
| Date | Oct 14, 2026 |
| Book Page | 2239/96 |
| Instrument | 20269134 |
| Name | VYSTAR CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BRADFORD FL |
| Recording Date | Jun 9, 2023 |
| Property Address | 2109 RAIFORD RD, STARKE, FL 32091-1452 |
| Document Number | 0004004710 |
| Book / Page | 2029 / 1 |
| Instrument Date | Jun 9, 2023 |
| Instrument | 202304004710 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2023 |
| Title Company | LAKE AREA TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7824 STATE ROAD 21, KEYSTONE HEIGHTS, FL 32656-8653 |
| Name | Verified Name |
|---|---|
| Address | 2109 RAIFORD RD, STARKE, FL 32091-1452 |
| Investor | Possibly a Property Investor |
| Document Number | 0000020294 |
|---|---|
| Date | Jun 9, 2023 |
| Instrument | 2029/4 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
The 2025 property tax bill for 2109 Raiford Rd was $2,076 with a homeowner's exemption, up 3.5% 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 | $2,076.00 (+3.49%) Homeowner's exemption | $147,492 (+2.9%) | $284,039 (+4.97%) Land $78,000 Building $206,039 |
| 2024 | $2,006.00 (-36.8%) Homeowner's exemption | $143,335 (-22.85%) | $270,597 (+45.65%) Land $78,000 Building $192,597 |
| 2023 | $3,174.00 (+21.15%) | $185,791 (+28.59%) Land $70,000 Building $115,791 | $185,791 (+28.59%) Land $70,000 Building $115,791 |
| 2022 | $2,620.00 | $144,485 Land $61,500 Building $82,985 | $144,485 Land $61,500 Building $82,985 |
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 2109 Raiford Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2017.
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 File median of 27 policies |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 3 (2017) |
| Claims Outside the SFHA | 2 of 3 |
| 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 2109 Raiford Rd is moderate, ranking above 52% 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 52% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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