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Active Under Contract

Active Under Contract·51 days on market

10235 Underwood Avenue

Hastings, FL 32145

$238,900$152/sqftEst. $1,218/moMLS# 2148902

Beds

Baths

1,568

Sq Ft

2026

Built

—

Garage

Pool

About this home

Hastings

Brand new mobile home on over an acre of land in desirable Flagler Estates is ready for new owners! The property includes upgraded LVP flooring throughout, new stainless steel appliances and new well and septic! This one is priced to sell and won't last long. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$238,900

Down Payment: 20%

$47,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,218

Principal & Interest: $1,218

Property taxes (est.): $318

Insurance (est.): $159

Estimated Total Monthly

$1,695

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,218

Property taxesest. at asking price, St. Johns County$318

Estimated total, before insurance$1,536/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$676/yr · $56/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

Last sold: $29,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$24,800	$24,800	—
2024	$22,500	$6,820	—
2023	$22,000	$6,200	—
2022	$14,560	$5,636	—
2021	$7,700	$5,124	—
2020	$7,200	$4,658	—

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

Estimated taxes if purchased at asking price: ~$3,800/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,648 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