1 / 37

Active Under Contract

Active Under Contract·47 days on market

10515 Dillon Avenue

Hastings, FL 32145

$320,000$258/sqftEst. $1,627/moMLS# 2148483

Beds

Baths

1,241

Sq Ft

2025

Built

Garage

Pool

About this home

Hastings

This is your chance to own a space that truly feels like home with this one of a kind Flagler Estates property on over 1 acre of land with 770 square feet of detached garage or warehouse space! This 1,241 sf new build by Inkline Homes is redefining ''builder grade'' with 9' ceilings, smooth walls, 3 cm quartz countertops, Energy Star appliances, luxury cabinetry & stunning tile work that makes this home feel custom. The primary suite features a private tiled bathroom with a sleek zero entry shower & walk-in closet, all accessible through a pocket door for maximized space. The second & third bedrooms share a hall bath with shower-tub combo with custom tile. You'll also find a dedicated laundry room with side entry, metal roof & Hardie siding around the entire home. The detached metal garage building provides ample space for storage, 2 vehicles, work, or play! Full Builder Warranty provided - 1 yr workmanship, 2 yr major systems & 10 yr structural + termite bond included!

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,627

Principal & Interest: $1,627

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$1,627

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

Year	Market value	Taxable value	Change
2025	$24,800	$24,800	—
2024	$22,500	$12,778	—
2023	$22,000	$11,616	—
2022	$16,352	$10,560	—
2021	$9,600	$9,600	—
2020	$7,200	$4,658	—

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: Metal — year not disclosed (home built 2025)

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

Solar potential: ~1,321 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