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Active

Active·53 days on market

4210 Theresa Street

Hastings, FL 32145

$319,990$190/sqftEst. $1,626/moMLS# 2147433

Beds

Baths

1,684

Sq Ft

2026

Built

Garage

Pool

About this home

Hastings

Discover Your Dream Home in the Flagler Estates Community! The Cabot Plan offers a spacious open-concept layout, seamlessly connecting the Living, Dining, and Kitchen areas--perfect for entertaining. The modern Kitchen is equipped with shaker cabinets, quartz countertops, and Stainless-Steel Appliances, including an electric smooth top range, microwave hood, and dishwasher. The primary suite features a private bath with dual vanity sinks and a large walk-in closet. There are three additional bedrooms, a stylish secondary bathroom, and a patio ideal for outdoor relaxation. Additional features include Low E insulated dual-pane vinyl windows for energy efficiency and a 1-year limited home warranty. Ask sales counselor about new enhanced kitchen cabinet features and updated farmhouse style trim package!

Cost to own

Mortgage calculator

Home Price

$319,990

Down Payment: 20%

$63,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,626

Principal & Interest: $1,626

Property taxes (est.): $426

Insurance (est.): $213

Estimated Total Monthly

$2,266

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$1,626

Property taxesest. at asking price, St. Johns County$426

Estimated total, before insurance$2,052/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: $10,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$24,800	$24,750	—
2024	$22,500	$22,500	—
2023	$22,000	$6,764	—
2022	$16,352	$6,149	—
2021	$9,600	$5,590	—
2020	$7,200	$5,082	—

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

Estimated taxes if purchased at asking price: ~$5,100/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 2026)

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

Solar potential: ~1,168 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

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