4425 JOYCE STREET, HASTINGS, FL, 32145
Active11 days on marketListed Jul 22, 2026MLS #OM729019
About this home
4425 JOYCE STREET
Seller financing available with options designed to make your purchase simple. Enjoy quick approvals with no banks, no lengthy underwriting, no prepayment penalty, and no credit checks. Whether you're looking to build, invest, or hold, this opportunity offers a streamlined path to ownership. Contact us today to learn more about our competitive seller financing terms and get started right away. Discover the perfect setting for your Florida dream home on this beautiful 1.14-acre residential lot in Hastings, FL, with available power, wetlands front right side can be avoided to build, and no endangered species. Nestled in a peaceful, rural setting surrounded by natural beauty, this spacious property offers the ideal balance of privacy and convenience. Enjoy the charm of country living while remaining just a short drive from St. Augustine, Palm Coast, shopping, dining, schools, and outdoor recreation. Whether you're looking to create a private retreat or a full-time residence, this oversized parcel offers plenty of room for a custom home, workshop, RV, boat storage, and more. Don't miss this opportunity to own a premium piece of Florida land in the growing Hastings area!
Facts & features
The home at a glance
1.14 ac
Lot size
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.
$358 /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
$358/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.
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)
Median sold price, Hastings, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the HASTINGS 32145 median. See the full Hastings market guide →
Paper trail
This home's history
Reality check
What actually sold near 4425 JOYCE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$315,000
5005 JOSEPH STREET · same community
3 bd · 2 ba · 1,206 sqft · $261/sqft · 232 DOM
Sold · Nov ’25$214,900
10405 CROTTY AVENUE · same community
3 bd · 2 ba · 1,216 sqft · $177/sqft · 182 DOM
Sold · Feb ’26$224,900
4115 CEDAR FORD BOULEVARD · same community
3 bd · 2 ba · 1,216 sqft · $185/sqft · 21 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 4425 JOYCE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4425 JOYCE 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
4425 JOYCE STREET FAQs
What would the monthly payment be for 4425 JOYCE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $358/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 4425 JOYCE STREET?+
The most recent tax bill on record (2025) was $552. 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 $24,000, this home is listed about 92% below the Hastings median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4425 JOYCE 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 UDI LLC · Asher Abadi. MLS #OM729019.
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.
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