486 LAKESHORE DRIVE, STARKE, FL, 32091
Active25 days on marketListed Aug 27, 2026MLS #GC543069
About this home
486 LAKESHORE DRIVE
Beautiful custom-built lakefront home on over 1.5 acres with more than 100 feet of frontage on Crosby Lake. Enjoy your private dock with jet ski lifts and breathtaking waterfront views. This split floor plan features gorgeous wood floors throughout the living areas, tile in the kitchen and baths, a dedicated office with French doors, formal dining room, and a spacious family room with a gas fireplace. Twelve-foot wood-clad sliding glass doors open to a tiled, screened porch overlooking the backyard. The chef's kitchen offers custom cabinetry, while the owner's suite includes two walk-in closets and a large walk-in shower. Additional features include a mudroom off the garage and a separate indoor laundry room. Watch deer from your backyard while enjoying the peaceful setting. A rare opportunity to own a quality-built waterfront home offering privacy, comfort, and exceptional lake living. Priced to sell!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,162
Sqft
1.32 ac
Lot size
2
Garage
2013
Year built
One
Levels
$275
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,209 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,209/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs LAKEWOOD
$275 vs $163
Days on market
25 vs 6 typical
Where $275/sqft sits among the 12 homes for sale in LAKEWOOD
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Starke
Get to know Starke. See the full Starke guide →
STARKE 32091 — neighborhood snapshot
Population
16,062
Median age
39.2
Median income
$53,522
Median home value
$175,200
Avg household
2.58
Households w/ children
1,747
The numbers that matter
The Starke market
$399K → $253K
Starke median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
5 of 12
LAKEWOOD have cut their price
Median sold price, Starke, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% above the STARKE 32091 median. See the full Starke market guide →
Paper trail
This home's history
Reality check
What actually sold near 486 LAKESHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$175,000
34473 ORCHID PARKWAY · same community
2 bd · 2 ba · 2,055 sqft · $85/sqft · 45 DOM
Sold · Jul ’26$349,000
2454 MERCER CIRCLE S · same community
4 bd · 3 ba · 1,979 sqft · $176/sqft · 0 DOM
Sold · Oct ’25$163,000
34542 ORCHID PARKWAY · same community
3 bd · 3 ba · 1,803 sqft · $90/sqft · 28 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 486 LAKESHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 486 LAKESHORE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
486 LAKESHORE DRIVE FAQs
What would the monthly payment be for 486 LAKESHORE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,209/mo — principal and interest, the actual property-tax bill, the $33/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 486 LAKESHORE DRIVE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 486 LAKESHORE DRIVE?+
The most recent tax bill on record (2025) was $6,992. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 486 LAKESHORE DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Starke?+
At $595,000, this home is listed about 141% above the Starke median of $246,500. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$595,000 runs 83% above the STARKE 32091 median — but at 2,162 sqft it's also 30% larger than the typical Starke listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
25 days on market against a Starke median of 6 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $600,000, now $595,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER SMITH AND SMITH REALTY · Lisa Hull. MLS #GC543069.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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