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This home is in St. Augustine.

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Active

Active·184 days on market

33 Cincinnati Avenue

St. Augustine, FL 32084

$625,000$444/sqftEst. $3,327/moMLS# 2124845
4
Beds
2
Baths
1,408
Sq Ft
1910
Built
4
Garage
No
Pool

About this home

St. Augustine

Welcome to your slice of history nestled in the heart of St. Augustine's vibrant downtown. Presenting a captivating 4-bedroom, 2-bathroom single-family home, exuding timeless elegance and modern convenience. Built in 1910, this exquisite residence sits majestically on a coveted corner lot, offering a lifestyle of both historic charm and urban convenience. As you step onto the property, you're immediately greeted by the allure of yesteryears, enhanced by the home's classic architectural details and lush landscaping. The exterior boasts the quintessential charm of a bygone era, while the interior seamlessly blends historic character with contemporary updates. Upon entry, the foyer welcomes you with warmth and sophistication, leading you into the inviting living spaces adorned with original hardwood floors and abundant natural light. The beautiful classic wood finishes throughout exude warmth and character with every step.

Cost to own

Mortgage calculator

$625,000
$125,000
Loan Term
Monthly Payment
$3,177
Principal & Interest: $3,177
Est. Taxes & Insurance: $794
Estimated Total Monthly
$3,971
*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,327
Property taxesest. at asking price, St. Johns County$832
Estimated total, before insurance$4,158/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
  • • 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.

Cost to own

Taxes & assessment

Last sold: $530,000 in April 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$637,278$637,278
2024$624,699$624,699
2023$629,840$629,840
2022$400,899$331,877
2021$309,667$301,706
2020$275,389$274,278

2025 property taxes (current owner): $12,584/yr

Estimated taxes if purchased at asking price: ~$10,000/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1910)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts · Public water (record)

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,504 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

  • Jan 13, 2026Listed$625,000

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

Features

Price$625,000
Price / Sq Ft$444
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,408
Acres0.15 acres
Year Built1910
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages4
Has PoolNo
Is WaterfrontNo

School Information

ElementaryKetterlinus
MiddleSebastian
HighSt. Augustine

Community Information

Address33 Cincinnati Avenue, St. Augustine, FL 32084
Area322-Downtown St Augustine
SubdivisionRhode Addn
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,534 sq ft
Parcel Number1934200000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Garage

Interior

AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedJanuary 13, 2026
Days on Market137
Tax Amount$12,583.63
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ST AUGUSTINE REALTY

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

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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