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Active

Active·11 days on market

4320 Calvin Street

Hastings, FL 32145

$126,000$104/sqftEst. $654/moMLS# 2162945

Beds

Baths

1,216

Sq Ft

1998

Built

—

Garage

Pool

About this home

Hastings

3-bedroom, 2-bath manufactured home in Hastings, offering 1,216 square feet of living space on a 1.14-acre lot. Built in 1998. Well and septic. Buyer and agent to verify all information.

Cost to own

Mortgage calculator

Home Price

$126,000

Down Payment: 20%

$25,200

Interest Rate: 6.76%

Loan Term

Monthly Payment

$654

Principal & Interest: $654

Property taxes (est.): $168

Insurance (est.): $84

Estimated Total Monthly

$906

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$654

Property taxesest. at asking price, St. Johns County$168

Estimated total, before insurance$822/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.

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: material not specified — year not disclosed (home built 1998)

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

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,643 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 September 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

Price & status history

Sep 1, 2026Listed$126,000

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

Features

Price$126,000

Price / Sq Ft$104

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,216

Year Built1998

TypeResidential

Sub-TypeManufactured Home

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address4320 Calvin Street, Hastings, FL 32145

Area341-Flagler Estates/Hastings

SubdivisionFlagler Estates

CityHastings

CountySt. Johns

StateFL

Zip Code32145

Lot Dimensions49658

Parcel Number0506402058

Amenities

UtilitiesElectricity Connected

SewerSeptic Tank

Water SourceWell

ParkingOff Street

Interior

Interior FeaturesOther

AppliancesDishwasher, Electric Range, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

Exterior

Exterior FeaturesOther

Additional Information

Date ListedSeptember 1, 2026

Days on Market3

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: REALTY ZOOM

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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