642 GARDINER Street, Starke, FL, 32091
About This Home
642 Gardiner St is a 1-story Starke single-family home built in 1940, offering 2 bedrooms and 1 bathroom across 1,002 square feet. The open-concept living and dining area flows into the kitchen, which features wood cabinetry, dark granite countertops, a tile backsplash, and black appliances. The bathroom includes a tub/shower combination with a vanity. Hardwood and tile flooring run throughout the home, and a covered front porch provides additional outdoor living space. The large yard offers ample space and completes this well-maintained residence.. Included 100-Day Home Warranty with buyer activation
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Roof: Shingle
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Other,Dishwasher,Microwave
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Features
- Flooring: Carpet,Tile
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Central Air
Interior Area
- Total interior livable area: 848 sqft
Property
Details
- Parcel number: 03837B01100
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 5,662 sqft
Parking
- Total spaces: 1
- Parking features: Carport
- Covered spaces: 1
- Carport: Yes
- Carport spaces: 1
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Hurricane
- Heat Wave
- Inland Flooding
- Strong Wind
- Tornado
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Bradford County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $829 | $9,948 |
| Home Insurance * | $117 | $1,404 |
| Property Taxes | $141 | $1,692 |
| Electricity | $197 | $2,366 |
| Total | $1,284 | $15,408 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-16 | Price change | $164,000 |
| 2026-06-23 | Listed for sale | $168,000 |
| 2026-06-09 | Sold | $136,900 |
| 2018-05-25 | Sold | $89,900 |
| 2018-04-17 | Pending sale | $89,999 |
| 2018-02-05 | Price change | $89,999 |
| 2018-01-10 | Listed for sale | $93,500 |
For Sale by Agent
View on Zillow