This home is in Abbott Tract, St. Augustine — a home near St. Augustine High School.
Sold·Closed Jun 1, 2026·35 days on market·Recent sales in Abbott Tract·Abbott Tract
65 Water Street
St. Augustine, FL 32084
5 more homes for sale in Abbott Tract →Search Abbott Tract on the map
About this home
Abbott Tract
Located in this highly desirable waterfront enclave, 65 Water Street —designed by the renowned Cronk Duch Architects—offers refined coastal living with uncompromising quality, privacy, and craftsmanship throughout, all within walking distance to historic downtown St. Augustine. This 3-bed, 4.5-bath residence is thoughtfully designed for both everyday comfort and elegant entertaining, enhanced by multiple covered balconies that capture serene water views and coastal breezes. The heart of the home is the chef's kitchen, featuring high-end appliances and an open-concept layout flowing effortlessly into the family and dining areas. A sophisticated wet bar showcases elegant built-in cabinetry and a 140-bottle Sub-Zero wine cooler. Rich architectural details define the interior, including Carlisle wide-plank heart of pine flooring throughout, custom built-ins throughout, elegant light fixtures, and a dedicated home theater with newer equipment. See more
Next steps in Abbott Tract
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2012)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,818 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $2,764,555 | $1,133,761 | — |
| 2024 | $2,673,145 | $1,101,101 | — |
| 2023 | $2,259,469 | $1,067,574 | — |
| 2022 | $1,931,123 | $1,035,023 | — |
| 2021 | $1,605,448 | $1,003,420 | — |
| 2020 | $1,752,541 | $988,876 | — |
2025 property taxes (current owner): $22,715/yr
Estimated taxes if purchased at asking price: ~$75,800/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.
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 $342/sq ft; this home is listed at $1,244/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 70 Water Street, St. Augustine, FL 32084Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $1,835,000 | $601 | 3/3 | 3,053 | 72 | 0 |
| 107 Arpieka Avenue, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATE | Jun 2026 | $732,000 | $250 | 4/2 | 2,927 | 28 | 0.8 |
| 290 St. George Street, St. Augustine, FL 32084Listed by MAXREV, LLC | Aug 2026 | $1,645,000 | $534 | 4/3.5 | 3,080 | 84 | 1 |
| 17 Sylvan Drive, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY | Jul 2026 | $1,075,000 | $329 | 4/3.5 | 3,271 | 48 | 1.1 |
| 28 E Park Avenue, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Jun 2026 | $1,090,000 | $342 | 3/2.5 | 3,190 | 61 | 1.1 |
| 157 Lawn Avenue, St. Augustine, FL 32084Listed by COMPASS FLORIDA LLC | Sep 2026 | $1,400,000 | $341 | 7/4.5 | 4,100 | 4 | 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: ONE SOTHEBY'S INTERNATIONAL REALTY
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 Abbott Tract
Abbott Tract is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Abbott Tract homes for sale →Keep looking
More homes in Abbott Tract
For Sale47 Osceola StreetSt. Augustine, FL 32084
4 bd · 4 ba · 2,304 sq ft
$1,295,000Est. $6,893/moSituated in the coveted Abbott Tract in historic St. Augustine, this immaculately maintained home offers the rare…
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For Sale48 Osceola StreetSt. Augustine, FL 32084
3 bd · 3 ba · 1,554 sq ft
$1,195,000Est. $6,360/moA rare gem in St. Augustine's highly coveted Abbott Tract, this circa-1900 residence captures the timeless allure of…
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For Sale22 Joiner StreetSt. Augustine, FL 32084
4 bd · 2.5 ba · 1,930 sq ft
$1,150,000Est. $6,121/moStep into a rare opportunity to own a beautifully restored piece of St. Augustine history in the desirable Abbot Tract…
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For Sale18 Locust StreetSt. Augustine, FL 32084
3 bd · 2 ba · 1,352 sq ft
$899,000Est. $4,785/moDiscover the timeless elegance of this beautifully preserved Victorian residence nestled in the heart of St.…
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Explore the area
More in Abbott Tract
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 1, 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
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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines