The story of this market
The typical home in ZIP 32145 sells for about $279,715, or $183 per square foot.
Prices are down 1.1% from a year ago, which gives buyers more room to negotiate. Homes take about 54 days to sell. HUD's fair market rent for a two-bedroom is $1,113 a month.
ZIP 32145 — Hastings
The Hastings (32145) housing market is currently balanced, with a median sale price of $279,715 and a low inventory of 2.8 months of supply. While prices have seen a slight year-over-year decline, the area remains significantly more affordable than the Florida state norm, attracting buyers seeking value in a rural setting. Market activity is stable, supported by consistent demand and limited new construction.
This ZIP is best suited for family buyers and those seeking rural, lower-cost housing options compared to the nearby urban centers of Jacksonville and St. Augustine.
Median prices moved down 1.1% year over year.
Homes spend a median of 54 days on market with 2.8 months of supply — a fast-moving market.
22% of listings have cut prices · homes sell at 97.8% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 8.6% · poverty 14.7% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 32145, St. Johns County FL
The area faces standard Florida coastal and inland storm risks, with insurance premiums reflecting regional exposure to hurricane-related wind and flood events.
Growth is primarily driven by agricultural and rural residential development, with proximity to the St. Johns County employment corridor providing economic momentum.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Commuting typically requires personal vehicle travel via rural highways to reach employment centers in St. Augustine or the greater Jacksonville metropolitan area.
The area features access to rural outdoor spaces, local parks, and proximity to the St. Johns River, with limited immediate commercial shopping districts.
The rental market is characterized by limited inventory and steady demand, with a mix of long-term residential rentals and rural property holdings.
The local economy is anchored by agriculture and rural services, with residents largely commuting to the broader Jacksonville and St. Johns County labor markets.
Transportation is heavily reliant on private vehicle use, with limited public transit infrastructure serving this rural ZIP code.
Development is primarily focused on low-density residential expansion and agricultural land preservation.
The St. Johns County Property Appraiser manages assessments, focusing on market-value appraisals and the administration of state-mandated exemptions.
Parcels are subject to St. Johns County School District taxes and various municipal service taxing units.
Property insurance markets are tight due to regional hurricane risk, with premiums trending upward across the Florida peninsula.
Florida is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Florida law requires sellers to disclose known material defects that are not readily observable to a buyer.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Serves as a local hub for community events and public services.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.