This home is in Garnett Addition, St. Augustine — a home near St. Augustine High School.
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Sold·Closed Jan 12, 2026·69 days on market·Recent sales in Garnett Addition·Garnett Addition
21 Sanchez Avenue
St. Augustine, FL 32084
3 more homes for sale in Garnett Addition →Search Garnett Addition on the map
About this home
Garnett Addition
Looking for a one-of-a-kind property in the heart of St. Augustine? This original 1885 cottage with an accessory dwelling sits on a commercially zoned lot just a 15-minute walk to the Historic District or a quick drive to the beaches. Once used as crew quarters for the Florida East Coast Railway, the home has been thoughtfully restored with hardwood floors, stained-glass transoms, and modern updates. The 2-bedroom, 1-bath main cottage and 1-bedroom, 1-bath accessory dwelling each include their own washer/dryer, refrigerator, and separate A/C systems. A connecting door between the two units offers flexibility for multiple living arrangements. The accessory dwelling features a full bath, laundry center, and kitchenette, making it an ideal mother-in-law suite or private rental. Currently operated as a five star rated short-term rental, this property is both a piece of history and an income-producing opportunity in a prime location.
Next steps in Garnett Addition
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal — year not disclosed (home built 1885)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,590 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Vilano Beach oceanfront9 min drive · 37 parking spaces
Closest park or preserve
Anastasia State Park11 min drive · 0.7 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 0.8 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Vilano Causeway Primitive Accessabout 0.5 mi · Hospital Creek
Closest youth league fields
Ketterlinus Gym Community Center4 min drive · Basketball
Closest grocery store
Winn-Dixie6 min drive · 3551 N Ponce De Leon Blvd, St Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:32 AM, sunset 6:48 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $8,574/yr
Estimated taxes if purchased at asking price: ~$8,100/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, NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $350/sq ft; this home is listed at $473/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 509 Live Oak Street, St. Augustine, FL 32084Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | May 2025 | $447,000 | $304 | 3/1 | 1,472 | 22 | 1.4 |
| 24 Marion Street, St. Augustine, FL 32084Listed by HOME SOLD REALTY LLC | Jul 2025 | $538,000 | $350 | 4/3 | 1,536 | 153 | 1.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Sold by: COLDWELL BANKER VANGUARD REALTY (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Garnett Addition
Garnett Addition is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Garnett Addition homes for sale →Keep looking
More homes in Garnett Addition
For SaleIncome
23 Sanchez AvenueSt. Augustine, FL 32084
0 bd · 0 ba · 1,314 sq ft
$525,000Est. $2,794/moLocated in the heart of historic Uptown St. Augustine, this income-producing duplex presents an exceptional investment…
Listing Office: keller williams realty atlantic partners st. augustine
For Sale9 Sebastian Avenue BSt. Augustine, FL 32084
3 bd · 2.5 ba · 1,750 sq ft
$859,000Est. $4,572/moWith a location in the heart of Historic Downtown St. Augustine and only minutes to Vilano Beach, the Homes of 7…
Listing Office: one sotheby's international realty
For Sale33 Old Mission AvenueSt. Augustine, FL 32084
3 bd · 3 ba · 2,161 sq ft
$1,475,000Est. $7,851/moThe National Register of Historic Places recognizes the circa 1886 Horace Walker House in downtown St. Augustine. This…
Listing Office: memory hopkins real estate
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jan 12, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines