Temples
Homes for Sale in Starke, FL
True comps, carrying-cost math, and listings before the portals.
Temples is a condition-driven market. With a housing stock spanning from 1903 to 2024 and a median build year of 1963, price here is set far more by what shape a given home is in than by any neighborhood floor or ceiling. The median sits at $80,000 and the median price per square foot at roughly $71 — numbers that tell you renovation status, systems age, and lot specifics do most of the work when a home trades.
Posture is patient. Median days on market runs to 63, well past the quick-turn pace you see in hotter Northeast Florida submarkets, so sellers should price to condition and expect a longer clock. For buyers, that same slack is leverage — there is time to inspect an older home properly and negotiate on what you find rather than bidding against a clock.
The 60-Second Overview
Temples market snapshot (as of July 14, 2026): the median sale price is about $80K ($71 per sq ft over the trailing 12 months of closed sales), and a median 63 days on market for closed sales.
Temples is a community of 60 homes in Starke, Bradford County, built between 1903 and 2024 (median 1963.0), with a median living area of about 1,305 square feet. 46% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Temples is a small, older-stock pocket of Starke in Bradford County where the median home is a modest 1,305 square feet and the age range is wide enough that no two houses are truly comparable. Just under half of homes carry a homestead exemption, a sign of a market that mixes long-held owner-occupied houses with property that turns over.
Who Temples is best for.
Best for
- Value-focused buyers with a modest budget who can look past the median to an individual home's condition
- Renovators or hands-on owners willing to invest in an older, smaller house and its systems
- Long-hold buyers who want a low entry cost and are not counting on a quick flip
Probably not for
- Buyers who need move-in-ready, newer construction with modern systems
- Anyone requiring a fast purchase and resale on a tight timeline
- Buyers who want a large-square-footage home or predictable, average-driven pricing
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 14 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($80K) IS the median in the snapshot above.
Windows contain 0 to 5 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Bradford County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Bradford County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
25% of homes for sale in ZIP 32091 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-12).
Temples Market Scorecard
Temples is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
The Temples buying strategy.
If we were buying in Temples today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Temples.
An older stock where condition is everything
The century-plus spread between the oldest and newest homes is the single most important thing to understand here. A median year built of 1963 means most of what you tour predates modern electrical, plumbing, and insulation standards, and the newer builds scattered in are the exception, not the rule. Two homes on the same block can be worlds apart on roof, systems, and finish, which is exactly why the median price tells you the middle and almost nothing about any specific address.
At a 1,305-square-foot median, these are compact homes, and the roughly $71 per square foot median reflects that older, smaller profile. With 60 homes in the snapshot and only a handful of recent closings, this is a thin market — one where a single well-renovated or badly deferred sale can move the comps. Do your diligence on the individual house; the neighborhood average will not do it for you.
The location and the amenities are priced into every listing in Temples. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A market this thin and this condition-dependent rewards local reading over algorithms. We walk older homes with a clear eye on what the roof, systems, and structure will actually cost, price to real condition rather than a broad average, and use the longer days-on-market window as room to negotiate instead of a reason to panic. When a listing here is wrong for you, we say so.
Temples in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Temples buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Temples sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Temples, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Temples home worth?
Get a no-obligation home value based on real comparable sales in Temples, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Temples?
How long do homes in Temples take to sell?
How many homes are in Temples?
What share of Temples is owner-occupied?
When were the homes in Temples built?
Do cash buyers compete in Temples?
Who is the best real estate agent for Temples?
How do I find a top Starke real estate agent who knows Temples?
Can Momentum Realty connect me with an agent for Temples?
Should you buy in Temples?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 14, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (3 streets, ZIP 32091)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2007 (18 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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