Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Hastings — a home near Pedro Menendez High School.

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Active

Active·187 days on market

9705 Crotty Avenue

Hastings, FL 32145

$359,000$198/sqftEst. $1,846/moMLS# 2132402

Beds

Baths

1,809

Sq Ft

2001

Built

—

Garage

Pool

About this home

Hastings

Welcome to your own private retreat! This well maintained 3 bedroom, 3 bath double-wide home sits on just under 3 acres on a corner lot with paved roads on both sides. Fully furnished and turn key, this home includes appliances, furniture, dishes, and more . Move right in with ease. Enjoy peaceful country living with a stocked fishing pond featuring a dock and fountain, mature trees, and open space to roam. Outdoor highlights include an oversized 2 bay detached garage, bonus workshop, and spacious decks on three sides of the home. Fish in your own backyard or simply relax and take in the serene setting. Perfect as a full-time residence, weekend getaway, or investment opportunity.

Cost to own

Mortgage calculator

Home Price

$359,000

Down Payment: 20%

$71,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,846

Principal & Interest: $1,846

Property taxes (est.): $478

Insurance (est.): $239

Estimated Total Monthly

$2,563

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,846

Property taxesest. at asking price, St. Johns County$478

Estimated total, before insurance$2,323/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,777/yr · $315/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

Year	Market value	Taxable value	Change
2025	$202,170	$195,439	—
2024	$208,219	$177,672	—
2023	$209,513	$161,520	—
2022	$197,317	$146,836	—
2021	$154,110	$133,487	—
2020	$132,029	$121,352	—

2025 property taxes (current owner): $3,777/yr

Estimated taxes if purchased at asking price: ~$5,700/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: material not specified — year not disclosed (home built 2001)

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: ~1,721 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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History