657 Saint Clair St, Starke, FL 32091 Property Records

Bradford County property record for 657 Saint Clair St, Starke, FL 32091

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,064 sqft · built 2004
Lot Size	0.378 acres (16,500 sqft)
Owner	Individual Name on File
Last Sale	$104,640 (Aug 2019)
Tax Bill	$926 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`03491-0-00300`

Property Details

APN / Parcel Number

Primary APN	`03491-0-00300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,064 sqft Heated Area
Gross Area	1,166 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,500 sqft (0.378 acres)
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	657 SAINT CLAIR ST
City	STARKE
State	FL
Zip	32091-2940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 6S 22 LOT 10 & S1/2 OF LOT 9 BLK 25 LT& COS ADD ALSO: LOTS 8-9 OF BLK 25 LT & COS ADD COMBINED PER OWNER
Legal Range	22E
Legal Township	06S
Legal Section	28
Legal Subdivision	COS ADD
Legal Block	25
Legal Lot Number	10
Jurisdiction	BRADFORD FL
Township / Civil Division	STARKE
Census Block Group	2
Census Block	2017
Census Tract	100

Owner

Source: Bradford County assessment roll, APN 03491-0-00300, as of 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	657 SAINT CLAIR ST, STARKE, FL 32091-2940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 23, 2019 · Amount on Record
Deed Sale	Aug 23, 2019 · Amount on Record
Prior Sale	Aug 23, 2019 · Amount on Record
Deed Document Number	0004007400
Deed Book / Page	1805 / 583
Last Transfer Date	Oct 30, 2024
Transfer Doc	0004010404
Record Updated	Jun 08, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Aug 23, 2019
Property Address	657 SAINT CLAIR ST, STARKE, FL 32091-2940
Document Number	0004007400
Book / Page	1805 / 583
Map Reference	MB J PG 232
Instrument Date	Aug 22, 2019
Instrument	201904007400
Transaction Type	Transfer
Record Updated	Jan 07, 2022
Title Company	SONSHINE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$732.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2406 SE 129TH ST, 2406, STARKE, FL 32091-7095

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	657 SAINT CLAIR ST, STARKE, FL 32091-2940

Mortgage

Document Number	0004007401
Date	Aug 23, 2019
Instrument	201904007401

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: Bradford County assessment roll as of 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	$926.00 (+4.4%) Homeowner's exemption	$90,062 (+2.9%)	$137,228 (+5.24%) Land $38,000 Building $99,228
2024	$887.00 (+3.5%) Homeowner's exemption	$87,524 (+3%)	$130,393 (+11.53%) Land $36,500 Building $93,893
2023	$857.00 (+5.54%) Homeowner's exemption	$84,975 (+3%)	$116,911 (+19.71%) Land $28,500 Building $88,411
2022	$812.00 Homeowner's exemption	$82,500	$97,660 Land $21,500 Building $76,160

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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, 130 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL2040211, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF STARKE serves 6,800 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.