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Pending

Pending·81 days on market

9815 Ebert Avenue

Hastings, FL 32145

$347,990$160/sqftEst. $1,769/moMLS# 2142664

Beds

Baths

2,180

Sq Ft

2026

Built

Garage

Pool

About this home

Hastings

Discover Your Dream Home in the Flagler Estates Community! Welcome to the Gardner Plan a very elegant two-story home designed for both comfort and versatility. The chef's kitchen is a highlight, featuring stylish cabinetry, quartz countertops, and stainless steel appliances, including an electric smooth-top range, over-the-range microwave, and dishwasher. The main floor includes a flexible space and a guest suite with a spacious walk-in closet. The oversized primary suite upstairs offers a serene retreat with a private bath and expansive walk-in closet. Additional features include a 2-car garage, and energy-efficient Low-E insulated dual-pane windows. Ask sales counselor about new enhanced kitchen cabinet features and updated farmhouse style trim package!

Cost to own

Mortgage calculator

Home Price

$347,990

Down Payment: 20%

$69,598

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,769

Principal & Interest: $1,769

Est. Taxes & Insurance: $442

Estimated Total Monthly

$2,211

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,769

Property taxesest. at asking price, St. Johns County$463

Estimated total, before insurance$2,232/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

Year	Market value	Taxable value	Change
2025	$24,825	$7,558	—
2024	$22,525	$6,871	—
2023	$22,025	$6,246	—
2022	$16,380	$5,678	—
2021	$9,625	$5,162	—
2020	$7,225	$4,693	—

2025 property taxes (current owner): $480/yr

Estimated taxes if purchased at asking price: ~$5,600/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,466 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

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.