409 Center St, Starke, FL 32091 Property Records

Bradford County property record for 409 Center St, Starke, FL 32091

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,118 sqft · built 1948
Lot Size	0.126 acres (5,512 sqft)
Owner	2 Individual Names on File
Last Sale	$106,300 (Aug 2019)
Tax Bill	$2,621 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03251-0-00000`

Property Details

APN / Parcel Number

Primary APN	`03251-0-00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,118 sqft Heated Area
Gross Area	1,225 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,512 sqft (0.126 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	409 CENTER ST
City	STARKE
State	FL
Zip	32091-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 6S 22 COM 262.5' E OF NE COR OF HOYT & BROADWAY STS. N105', E52.5', S105', W52.5' TO POB.
Legal Range	22E
Legal Township	06S
Legal Section	28
Jurisdiction	BRADFORD FL
Township / Civil Division	STARKE
Census Block Group	1
Census Block	1025
Census Tract	202

Owner

409 Center St is owned by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3534 SUMMIT OAKS DR, GREEN COVE SPRINGS, FL 32043-9257
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FIRST CREDIT UNION OF FLORIDA
Aug 22, 2019	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Jan 27, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2019 · Amount on File
Deed Sale	Aug 22, 2019 · Amount on File
Prior Sale	Jan 10, 2005 · Amount on File
Deed Document Number	201904007341
Deed Book / Page	1805 / 406
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	409 CENTER ST, STARKE, FL 32091-3121
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 SUMMIT OAKS DR, GREEN COVE SPRINGS, FL 32043-9257

Mortgage

Document Number	0004011397
Date	Nov 30, 2021
Book Page	1939/55
Instrument	202104011397

Lender

Name	COMMUNITY FIRST CREDIT UNION OF FLORIDA
Type	Credit Union
Address	JACKSONVILLE, FL 32204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Aug 22, 2019
Property Address	409 CENTER ST, STARKE, FL 32091-3121
Document Number	0004007341
Book / Page	001805 / 000406
Instrument Date	Aug 20, 2019
Instrument	4007341
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	NORTH CENTRAL TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$744.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3534 SUMMIT OAKS DR GREEN COVE SPRINGS FL 320439257, GREEN COVE SPRINGS, FL 32043-9257

Mortgage

Document Number	4007342
Date	Aug 22, 2019
Book Page	001805/000408
Instrument	4007342

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Jan 27, 2017
Property Address	409 CENTER ST, STARKE, FL 32091-3121
Document Number	0004000858
Book / Page	001665 / 000386
Instrument Date	Jan 24, 2017
Instrument	4000858
Transaction Type	Transfer
Record Updated	Feb 21, 2017

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2819 NE 19TH ST GAINESVILLE FL 326093220, GAINESVILLE, FL 32609-3220

Tax Assessment & Valuation

The 2025 property tax bill for 409 Center St was $2,621, up 8.2% from the year before.

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	$2,621.00 (+8.17%)	$145,969 (+4.55%) Land $28,000 Building $117,969	$145,969 (+4.55%) Land $28,000 Building $117,969
2024	$2,423.00 (+7.59%)	$139,613 (+11.62%) Land $28,000 Building $111,613	$139,613 (+11.62%) Land $28,000 Building $111,613
2023	$2,252.00 (+11.76%)	$125,084 (+18.55%) Land $20,000 Building $105,084	$125,084 (+18.55%) Land $20,000 Building $105,084
2022	$2,015.00	$105,512 Land $15,000 Building $90,512	$105,512 Land $15,000 Building $90,512

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

Flood

FEMA maps place 409 Center St 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 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 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 409 Center St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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