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Active

Active·11 days on market

4405 Susan Street

Hastings, FL 32145

$329,500$206/sqftEst. $1,675/moMLS# 2154618

Beds

Baths

1,601

Sq Ft

2023

Built

Garage

Pool

About this home

Hastings

Enjoy peaceful country living in Flagler Estates! Situated on over an acre with no HOA or CDD fees, this beautifully maintained 4-bedroom, 2-bath home, built in 2023, offers modern comfort and privacy. The open-concept layout features a split-bedroom floor plan, durable laminate and tile flooring, and a spacious kitchen with granite countertops, solid wood cabinets, stainless steel appliances, and ample storage. The primary suite includes a tiled walk-in shower, while the oversized lot provides plenty of room for RVs, boats, gardening, or outdoor entertaining. Conveniently located with easy access to St. Augustine, Palm Coast, Palatka, shopping, dining, and Florida's beautiful beaches, this home offers the perfect balance of rural charm and everyday convenience.

Cost to own

Mortgage calculator

Home Price

$329,500

Down Payment: 20%

$65,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,675

Principal & Interest: $1,675

Property taxes (est.): $438

Insurance (est.): $220

Estimated Total Monthly

$2,333

*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$1,675

Property taxesest. at asking price, St. Johns County$438

Estimated total, before insurance$2,113/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: $26,500 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$293,138	$293,138	—
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): $3,686/yr

Estimated taxes if purchased at asking price: ~$5,300/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 (2024), 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.

Hurricane evacuation zone F

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

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,279 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