4856 STEPHENS STREET, HASTINGS, FL, 32145
Active17 days on marketListed Jul 7, 2026MLS #FC319760
Come see it
Upcoming open houses
Sat, Aug 1
12:00 PM – 2:00 PM
Tracy Mack
Sat, Aug 1
12:00 PM – 2:00 PM
Hosted by: Tracy Mack
About this home
4856 STEPHENS STREET
Escape the crowded neighborhoods and enjoy the freedom of country living! Situated on over an acre of land, this beautiful concrete block home offers over 3,000 square feet of living space, 4 spacious bedrooms, 2.5 bathrooms, and a versatile loft, providing plenty of room for a growing family or even multi-generational living. The open-concept floor plan features a spacious kitchen overlooking the family room, making it perfect for entertaining and everyday living. Oversized bedrooms, generous closet space, and abundant storage ensure everyone has room to spread out. Step outside and enjoy the lifestyle you’ve been dreaming of—raise chickens, plant a garden, park your RV, boat, or other toys, and still have plenty of room to roam. Located on a paved road in a peaceful country setting, you’ll enjoy privacy without sacrificing convenience. You’re just 15 minutes from shopping, restaurants, and everyday conveniences, while still enjoying the tranquility of country living. Conveniently located between Palm Coast and St. Augustine, you truly get the best of both worlds. Only a few years old, this home offers the benefits of newer construction at a price that’s hard to duplicate today. An upgraded water treatment system provides high-quality water with no water bill, adding even more value to this exceptional property. All appliances are included, and the owner is relocating for work, creating an incredible opportunity for the next lucky homeowner. If you’ve been searching for space, privacy, and modern living, this is the one!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,004
Sqft
1.1 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$151
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,557 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,557/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs FLAGLER ESTATES
$151 vs $213
Days on market
17 vs 56 typical
Where $151/sqft sits among the 15 homes for sale in FLAGLER ESTATES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hastings
Get to know Hastings. See the full Hastings guide →
HASTINGS 32145 — neighborhood snapshot
Population
5,750
Median age
39.2
Median income
$81,931
Median home value
$194,400
Avg household
2.73
Households w/ children
936
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hastings market
$307K → $291K
Hastings median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
12 of 15
FLAGLER ESTATES have cut their price
Median sold price, Hastings, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 810% above the HASTINGS 32145 median. See the full Hastings market guide →
Paper trail
This home's history
Reality check
What actually sold near 4856 STEPHENS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$260,000
10570 DELGADO AVENUE · same community
4 bd · 2 ba · 2,310 sqft · $113/sqft · 1 DOM
Sold · Jan ’26$398,500
4705 INEZ STREET · same community
3 bd · 2 ba · 2,196 sqft · $181/sqft · 154 DOM
Sold · May ’26$323,000
5055 FLAGLER ESTATES BLVD · same community
5 bd · 3 ba · 2,160 sqft · $150/sqft · 8 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4856 STEPHENS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4856 STEPHENS STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4856 STEPHENS STREET FAQs
What would the monthly payment be for 4856 STEPHENS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,557/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4856 STEPHENS STREET?+
The most recent tax bill on record (2025) was $6,209. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hastings?+
At $455,000, this home is listed about 60% above the Hastings median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4856 STEPHENS STREET?+
South Woods Elementary School (elementary), Pedro Menendez High School (high), Gamble Rogers Middle School (middle), Mky- Head Start /Dpp Pk School (), First Coast Technical College (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXCHANGE, LLC · Julie Sabine. MLS #FC319760.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Hastings homes, in your inbox
Like 4856 STEPHENS STREET but not quite? A daily digest of every new listing in Hastings — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →