412 N Cherry St, Starke, FL 32091 Property Records

Bradford County property record for 412 N Cherry St, Starke, FL 32091

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1948
Lot Size	0.215 acres (9,350 sqft)
Owner	2 Individual Names on File
Last Sale	$14,000 (Jan 2010)
Tax Bill	$146 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03445-0-00000`

Property Details

APN / Parcel Number

Primary APN	`03445-0-00000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	884 sqft Living Area
Gross Area	1,150 sqft
1st Floor Area	884 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1960
Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,350 sqft (0.215 acres)
Porch	Enclosed/Unfinished Porch
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	412 N CHERRY ST
City	STARKE
State	FL
Zip	32091-3326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 6S 22 N1/2 OF LOT 2 & LOT 3 & S1/2 OF LOT 4 OF BLK 13 IN L. T. & COS ADD EX: E25.8' OF N1/2 OF LOT 2 & E25.8' OF LOT 3 & E25.8' OF S1/2 OF LOT 4. DESC OR1061-94.
Legal Range	22E
Legal Township	06S
Legal Section	28
Legal Subdivision	L. T. & COS ADD
Legal Block	13
Legal Lot Number	4.
Jurisdiction	BRADFORD FL
Township / Civil Division	STARKE
Census Block Group	2
Census Block	2025
Census Tract	100

Owner

412 N Cherry St is owned and occupied by two individuals who bought it in January 2010.

Source: Bradford County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	412 N CHERRY ST, STARKE, FL 32091-3326
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2010 · Amount on File
Deed Sale	Jan 28, 2010 · Amount on File
Prior Sale	Aug 18, 2005 · Amount on File
Deed Document Number	20104234304
Deed Book / Page	1346 / 482
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	412 N CHERRY ST, STARKE, FL 32091-3326
Transaction Type	Mortgage
Record Updated	Mar 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 N CHERRY ST, STARKE, FL 32091-3326

Mortgage

Document Number	0004002171
Date	Mar 5, 2024
Book Page	2073/441
Instrument	202404002171

Lender

Name	CAPITAL CITY BANK
Type	Bank
Address	TALLAHASSEE, FL 32302

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 412 N Cherry St was $146 with exemptions applied, up 5.8% from the year before.

Source: Bradford County assessment roll, as of November 26, 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	$146.00 (+5.8%) Homeowner's exemption Senior Citizen's exemption	$50,919 (+2.9%)	$77,298 (+4.05%) Land $28,000 Building $49,298
2024	$138.00 (-87.02%) Homeowner's exemption Additional exemption filed	$49,484 (-16.11%)	$74,289 (+25.94%) Land $28,000 Building $46,289
2023	$1,063.00 (+13.93%)	$58,987 (+26.88%) Land $20,000 Building $38,987	$58,987 (+26.88%) Land $20,000 Building $38,987
2022	$933.00	$46,489 Land $13,000 Building $33,489	$46,489 Land $13,000 Building $33,489

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

Flood

FEMA maps place 412 N Cherry 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 AE, 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	Hurricane Irma, Sep 2017 · 8 claims Tropical Storm Debby, Jul 2012 · 2 claims

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 412 N Cherry St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20