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Pending

Pending·167 days on market

10045 Underwood Avenue

Hastings, FL 32145

$249,000$158/sqftEst. $1,270/moMLS# 2129317

Beds

Baths

1,577

Sq Ft

2025

Built

—

Garage

Pool

About this home

Hastings

Very Nice Manufactured Home, 3/2 EVERYTHING is BRAND NEW! Ready for your family. Great area with growing potential.

Cost to own

Mortgage calculator

Home Price

$249,000

Down Payment: 20%

$49,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,270

Principal & Interest: $1,270

Property taxes (est.): $331

Insurance (est.): $166

Estimated Total Monthly

$1,767

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.58% · 30yr$1,270

Property taxesest. at asking price, St. Johns County$331

Estimated total, before insurance$1,601/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$676/yr · $56/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $43,000 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$24,800	$24,800	—
2024	$22,500	$10,249	—
2023	$22,000	$9,317	—
2022	$14,560	$8,470	—
2021	$7,700	$7,700	—
2020	$7,200	$4,658	—

2025 property taxes (current owner): $676/yr

Estimated taxes if purchased at asking price: ~$4,000/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.