427 Saint Clair St, Starke, FL 32091 Property Records

Bradford County property record for 427 Saint Clair St, Starke, FL 32091 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,062 sqft · built 1942
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$59,900 (Jun 2019)
Tax Bill	$532 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03507-0-00000`

Property Details

APN / Parcel Number

Primary APN	`03507-0-00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,062 sqft Heated Area
Gross Area	1,322 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,500 sqft (0.126 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air

Location & Zoning

Street Address	427 SAINT CLAIR ST
City	STARKE
State	FL
Zip	32091-2936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 6S 22 LOT 8 OF BLK 27 IN L. T. & COS ADD.
Legal Range	22E
Legal Township	06S
Legal Section	28
Legal Subdivision	L T & COS ADD
Legal Block	27
Legal Lot Number	8
Jurisdiction	BRADFORD FL
Township / Civil Division	STARKE
Census Block Group	2
Census Block	2015
Census Tract	100

Owner

Source: Bradford County records · APN 03507-0-00000

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	427 SAINT CLAIR ST, STARKE, FL 32091-2936
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 04, 2019 · Amount on Record
Deed Sale	Jun 04, 2019 · Amount on Record
Deed Document Number	201904004891
Deed Book / Page	1793 / 265
Record Updated	Jun 08, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Jun 04, 2019
Property Address	427 SAINT CLAIR ST, STARKE, FL 32091-2936
Document Number	0004004891
Book / Page	1793 / 265
Map Reference	MB J PG 232
Instrument Date	May 31, 2019
Instrument	201904004891
Transaction Type	Transfer
Record Updated	Jan 07, 2022
Title Company	NORTH CENTRAL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$419.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1255, STARKE, FL 32091-1255

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2290 ARROWHEAD AVE, MIDDLEBURG, FL 32068-5306

Mortgage

Document Number	0004004892
Date	Jun 04, 2019
Instrument	201904004892

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2049

Tax Assessment & Valuation

Source: Bradford County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$532.00 (+1.33%) Homeowner's exemption	$55,957 (+2.9%)	$89,543 (+2.19%) Land $28,000 Building $61,543
2024	$525.00 (-0.94%) Homeowner's exemption	$54,380 (+3%)	$87,628 (+13.16%) Land $28,000 Building $59,628
2023	$530.00 (+0.95%) Homeowner's exemption	$52,796 (+3%)	$77,436 (+18.12%) Land $20,000 Building $57,436
2022	$525.00 Homeowner's exemption	$51,258	$65,556 Land $15,000 Building $50,556

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bradford County (12007C), updated November 2, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120070001002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 43 individual NFIP policies nearby
Nearby Flood Policies	43 in force
Nearby Flood Claims	14 (1983–2017)
Claims Outside the SFHA	4 of 14
Most Recent Claim	Sep 2017, tidal / storm surge, Hurricane Irma
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims Tropical Storm Debby, Jul 2012 · 2 claims

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 3,704 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 219 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.