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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Flagler Estates, Hastings.

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Sold

Sold·Closed Aug 4, 2026·74 days on market·Recent sales in Flagler Estates·Flagler Estates

10550 Crotty Avenue

Hastings, FL 32145

$435,000sold priceListed at $445,000 · 97.8% of asking$304/sqftMLS# 2142932
3
Beds
2
Baths
1,429
Sq Ft
2025
Built
2
Garage
No
Pool

29 more homes for sale in Flagler Estates →Search Flagler Estates on the map

FEMA Zone XNo HOA1.14 acresSingle Family Residence1 story

About this home

Flagler Estates

Recently built in 2025 this magnificent property has been meticulously cared for and thoughtfully upgraded by the current owner. Located close to St. Augustine and a short drive to Crescent Beach, Flagler Estates is the perfect location for anyone looking to enjoy life in a more rural setting where you can relax in the peace and tranquility of all that Northeast Florida nature has to offer. The three bedroom, two bathroom split floor plan has 1429 square feet and is an ideal property for anyone looking for their first house, a low maintenance retirement home, or an investment property. This home combines sought after modern features that allow for easy upkeep and longevity, while maintaining high quality workmanship. Outside you'll find a large 31x24 detached garage perfect for all your toys, screened front and back porches with epoxy Shark floors, newly installed gutters, upgraded water treatment system, and almost entirely cleared 1.14 acres with plenty of room to take advantage of.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,409
Property taxesest. at asking price, St. Johns County$579
Estimated total, before insurance$2,988/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,010/yr · $84/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$435,000
$87,000
Loan Term
Monthly Payment
$2,409
Principal & Interest: $2,409
Property taxes (est.): $579
Insurance (est.): $290
Estimated Total Monthly
$3,278
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2025)

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

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.

Cost to own

Taxes & assessment

Last sold: $16,000 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$24,800$24,750—
2024$22,500$22,500—
2023$22,000$6,200—
2022$16,352$5,636—
2021$9,600$5,124—
2020$7,200$4,658—

2025 property taxes (current owner): $1,010/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

History

Price & status history

  • Aug 4, 2026Closed$445,000
  • Jul 14, 2026Pending$445,000
  • May 1, 2026Listed$445,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $194/sq ft; this home is listed at $311/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10515 Dillon Avenue, Hastings, FL 32145Listed by MOMENTUM REALTYJul 2026$325,000$2623/21,241280.2
10620 Crotty Avenue, Hastings, FL 32145Listed by LINDA STRICKLAND REALTYJan 2026$321,000$2362/21,359850.2
10415 Baylor Avenue, Hastings, FL 32145Listed by WJH BROKERAGE FL LLCSep 2026$325,990$1944/21,6841160.3
10350 Crotty Avenue, Hastings, FL 32145Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$216,000$1433/21,512960.5
10340 Crotty Avenue, Hastings, FL 32145Listed by MOMENTUM REALTYJun 2026$245,000$1523/21,612140.5
4230 Cedar Ford Boulevard, Hastings, FL 32145Listed by WE SELL SUNSHINESep 2026$299,000$1643/21,820410.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$445,000
Price / Sq Ft$311
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,429
Acres1.14 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address10550 Crotty Avenue, Hastings, FL 32145
Area341-Flagler Estates/Hastings
SubdivisionFlagler Estates
CityHastings
CountySt. Johns
StateFL
Zip Code32145
Lot Size49,658.4 sq ft
Lot Dimensions165x300
Parcel Number0506401844
ZoningResidential

Amenities

Community FeaturesSuburban
UtilitiesElectricity Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Detached, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceGravel
Road FrontageCounty Road

Additional Information

Date ListedMay 1, 2026
Days on Market74
Tax Amount$1,009.67
Tax Year2025
Listing TermsCash, Conventional, FHA, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Flagler Estates

Flagler Estates is a neighborhood in Southern St. Johns County, FL (St. Johns County), ZIP 32145.

View all Flagler Estates homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 4, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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