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2914 SE 109th St, Starke, FL 32091 Property Records

Bradford County property record for 2914 SE 109th St, Starke, FL 32091

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,817 sqft · built 1974
Lot Size10 acres (435,600 sqft)
OwnerIndividual Name on File
Last Sale$65,000 (Feb 2020)
Tax Bill$1,987 (2025)
Deeds & MortgagesFeb 2020 Sale & Construction Loan
Apr 2017 Sale
Flood ZoneZone X (minimal risk)
APN04984-0-00200

Property Details

APN / Parcel Number

Primary APN04984-0-00200

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,817 sqft Heated Area
Gross Area2,087 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block
Construction TypeConcrete Block
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area435,600 sqft (10 acres)

Exterior Amenities

PorchOpen Porch
Shed1 Shed
Shed Area100 sqft
Utility Building504 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address2914 SE 109TH ST
CitySTARKE
StateFL
Zip32091-7462
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal Description22 7S 22 W1/2 OF E1/2 OF SW1/4 OF NW1/4
Legal Range22E
Legal Township07S
Legal Section22
JurisdictionBRADFORD FL
Township / Civil DivisionHAMPTON
Census Block Group2
Census Block2012
Census Tract301

Owner

2914 SE 109th St, a rural home, is owned and occupied by an individual who bought it in February 2020.

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

Owner of RecordIndividual Name on File
Mailing Address2914 SE 109TH ST, STARKE, FL 32091-7462
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 6, 2020Warranty Deed, Transfer · Construction Mortgage
SMITH THOMAS L LIVING TR (RT)
Apr 17, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 6, 2020 · Amount on File
Deed SaleFeb 6, 2020 · Amount on File
Prior SaleApr 17, 2017 · Amount on File
Deed Document Number202004001010
Deed Book / Page1830 / 444
Record UpdatedJun 8, 2026

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBRADFORD FL
Recording DateFeb 6, 2020
Property Address2914 SE 109TH ST, STARKE, FL 32091-7462
Document Number0004001010
Book / Page001830 / 000444
Instrument DateFeb 5, 2020
Instrument4001010
Transaction TypeTransfer
Record UpdatedMar 4, 2020
Title CompanyNORTH CENTRAL TITLE INC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$455.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2914 SE 109TH ST STARKE FL 320917462, STARKE, FL 32091-7462

Mortgage

Document Number4001011
DateFeb 6, 2020
Book Page001830/000445
Instrument4001011
Lender
NameSMITH THOMAS L LIVING TR (RT)
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term12 Months
DueFeb 5, 2021
Interest
Rate8%

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBRADFORD FL
Recording DateApr 17, 2017
Property Address2914 SE 109TH ST, STARKE, FL 32091-7462
Document Number0004003441
Book / Page001677 / 000027
Instrument DateApr 17, 2017
Instrument4003441
Transaction TypeTransfer
Record UpdatedOct 30, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$11.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2914 SE 109TH ST STARKE FL 320917462, STARKE, FL 32091-7462

Tax Assessment & Valuation

The 2025 property tax bill for 2914 SE 109th St was $1,987 with a homeowner's exemption, up 12.5% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyBradford County
Unified School DistrictBradford County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,987.00 (+12.45%) Homeowner's exemption$150,267 (+2.74%) Land $36,745 Building $113,522$218,367 (+5.28%)
2024$1,767.00 (+3.58%) Homeowner's exemption$146,253 (+3.11%) Land $31,917 Building $114,336$207,425 (+7.91%)
2023$1,706.00 (+7.63%) Homeowner's exemption$141,835 (+3.89%) Land $23,917 Building $117,918$192,212 (+16.75%)
2022$1,585.00 Homeowner's exemption$136,522 Land $19,882 Building $116,640$164,640

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2914 SE 109th St 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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

Wildfire risk around 2914 SE 109th St is high, ranking above 70% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire RiskHigh
above 70% of the US · above 51% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber		2,000 / 2,000
Verizon
Fixed Wireless		300 / 20

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