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Active Under Contract

Active Under Contract·281 days on market

10625 Baylor Avenue

Hastings, FL 32145

$469,400$154/sqftEst. $2,498/moMLS# 2112085

Beds

Baths

3,039

Sq Ft

2006

Built

Garage

Pool

About this home

Hastings

Welcome to this inviting two-story home with all the modern conveniences, this residence offers ample space for a growing family with a floorplan designed for both privacy and gathering, step inside to discover a large family room perfect for entertaining with accessible bathroom which also leads into newly renovated 4th bedroom, open concept kitchen, granite countertops, with central island that invites conversation and carries into dining area that seamlessly flows into a cozy living area that boasts a tile fireplace, simply open the sliding glass doors to access outdoor seating area which is newly fenced for pets, upstairs area has large open living space for additional entertaining or play area for the kiddos, three bedrooms, master retreat has ensuite bathroom with double vanity, separate tub and oversized walk in closet, second and third spacious bedrooms with large closets, full bath and conveniently located laundry room. Fresh paint throughout, vinyl plank wood floors placed

Cost to own

Mortgage calculator

Home Price

$469,400

Down Payment: 20%

$93,880

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,371

Principal & Interest: $2,371

Est. Taxes & Insurance: $593

Estimated Total Monthly

$2,964

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,498

Property taxesest. at asking price, St. Johns County$625

Estimated total, before insurance$3,123/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $430,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$377,844	$327,122	—
2024	$361,354	$361,354	—
2023	$370,761	$130,271	—
2022	$351,926	$125,020	—
2021	$239,941	$119,922	—
2020	$214,885	$117,576	—

2024 property taxes (current owner): $5,128/yr

Estimated taxes if purchased at asking price: ~$7,500/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2006)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,687 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History