640 GARDINER Street, Starke, FL, 32091
About This Home
Charming home located within city limits, offering convenience and comfort in a desirable location. This 2-bedroom, 1-bath residence features a welcoming covered front porch--perfect for relaxing mornings or evening gatherings. Inside, you'll find a functional layout with ample natural light and cozy living spaces ideal for everyday living or investment potential. Situated close to shopping, dining, schools, and major roadways, this property combines accessibility with a sense of home. Whether you're a first-time buyer, downsizing, or looking for a rental opportunity, this home is full of potential.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Roof: Shingle
- Construction materials: Block,Frame
Type & Style
- Home type: SingleFamily
- Architectural style: A-Frame
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Cooktop
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Flooring: Laminate
Heating & Cooling
- Heating features: Electric
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total interior livable area: 896 sqft
Property
Details
- Parcel number: 03837B01200
Features
- Stories: 1
- Patio & porch: Covered,Front Porch
Lot
- Features: Dead End Street
Parking
- Parking features: Other
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 | $783 | $9,396 |
| Home Insurance * | $111 | $1,332 |
| Property Taxes | $290 | $3,480 |
| Electricity | $197 | $2,366 |
| Total | $1,381 | $16,572 |
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 |
|---|---|---|
| 2026-05-12 | Price change | $170,900 |
| 2026-04-10 | Listed for sale | $173,900 |
| 2024-04-03 | Listing removed | -- |
| 2024-03-27 | Listed for rent | $1,100 |
| 2024-03-18 | Listing removed | -- |
| 2024-02-15 | Listed for rent | $1,100 |
| 2015-11-07 | Listing removed | $550 |
| 2015-07-10 | Listed for rent | $550 |
| 2015-03-04 | Listing removed | $550 |
| 2014-11-04 | Listed for rent | $550 |
| 2014-08-06 | Listing removed | $575 |
| 2014-07-18 | Listed for rent | $575 |
| 2014-04-08 | Listing removed | $550 |
| 2014-01-07 | Listed for rent | $550 |
| 2013-02-19 | Listing removed | $550 |
| 2012-10-25 | Listed for rent | $550 |
| 2012-10-22 | Sold | $8,000 |
| 2012-07-30 | Sold | $8,000 |
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