646 Saint Clair St, Starke, FL 32091 Property Records

Bradford County property record for 646 Saint Clair St, Starke, FL 32091 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2007
Square Footage	1,344 sqft Heated Area
Lot Size	9,583 sqft (0.219 acres)
Occupancy	Owner Occupied
Last Sale	$155,000 (2021)
Tax Bill	$2,091.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03528-0-00100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Heated Area
Gross Area	1,488 sqft Gross Area
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2007
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	9,583 sqft (0.219 acres)
Porch	Open Porch
Utility Building	64 sqft Utility Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	646 SAINT CLAIR ST
City	STARKE
State	FL
Zip	32091-2941
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	28 6S 22 LOT 4 & S1/2 OF LOT 5 OF BLK 21 L T & CO ADD. SPLIT PER OWNER REQUEST
Legal Range	22E
Legal Township	06S
Legal Section	28
Legal Subdivision	L T & COS ADD
Legal Block	21
Legal Lot Number	4 6
Jurisdiction	BRADFORD FL
Minor Civil Division	STARKE
Census Blockgroup	2
Census Block	2004
Census Tract	100

Owner

Source: Bradford County records · APN 03528-0-00100

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
Co-owner	Verified Secondary Owner
Mailing Address	646 SAINT CLAIR ST, STARKE, FL 32091-2941
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jun 04, 2021	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage SOUTHPOINT FINANCIAL SERVICES INC
Jan 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS
Aug 20, 2018	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 04, 2021 · Amount on Record
Deed Sale	Jun 04, 2021 · Amount on Record
Prior Sale	Aug 20, 2018 · Amount on Record
Deed Doc Number	202104005298
Deed Book / Page	1906 / 327
Record Refreshed	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Jun 04, 2021
Property Address	646 SAINT CLAIR ST, STARKE, FL 32091-2941
Document Number	1906/327
Book / Page	1906 / 327
Map Reference	MB J PG 232
Instrument Date	May 25, 2021
Instrument	202104005298
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	LANDMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4602 SE 1ST AVE, 4602, KEYSTONE HEIGHTS, FL 32656-6203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 SAINT CLAIR ST, STARKE, FL 32091-2941

Mortgage

Document Number	1906329
Date	Jun 04, 2021
Instrument	1906/329

Lender

Name	SOUTHPOINT FINANCIAL SERVICES INC
Type	Subprime Lender

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	646 SAINT CLAIR ST, STARKE, FL 32091-2941
Document Number	0004001073
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 11, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	646 SAINT CLAIR ST STARKE FL 320912941, STARKE, FL 32091-2941

Mortgage

Document Number	0004001073
Date	Feb 07, 2020
Book Page	001831/000030
Instrument	4001073

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	324 Months
Due	Feb 06, 2047

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Aug 20, 2018
Property Address	646 SAINT CLAIR ST, STARKE, FL 32091-2941
Document Number	0004007242
Book / Page	001749 / 000477
Instrument Date	Aug 15, 2018
Instrument	4007242
Transaction Type	Transfer
Record Updated	Sep 13, 2018
Title Company	SONSHINE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$763.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 SAINT CLAIR ST STARKE FL 320912941, STARKE, FL 32091-2941

Mortgage

Document Number	4007243
Date	Aug 20, 2018
Book Page	001749/000479
Instrument	4007243

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2048

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	$2,091.00 (+3.51%) Homeowner's exemption	$148,210 (+2.9%)	$188,030 (+4.89%) Land $28,000 Building $160,030
2024	$2,020.00 (+1.61%) Homeowner's exemption	$144,033 (+3%)	$179,266 (+10.38%) Land $28,000 Building $151,266
2023	$1,988.00 (+3.76%) Homeowner's exemption	$139,838 (+3%)	$162,412 (+19.63%) Land $20,000 Building $142,412
2022	$1,916.00 Homeowner's exemption	$135,765 Land $13,000 Building $122,765	$135,765 Land $13,000 Building $122,765

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bradford County (12007C), updated November 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	Low above 35% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

646 Saint Clair St, Starke, FL 32091 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Saint Clair St

Nearby Streets

Search Property Records by Address or Parcel Number