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This home is in St. Augustine.

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Active

Active·205 days on market

251 Charlotte Street

St. Augustine, FL 32084

$949,000$636/sqftEst. $4,879/moMLS# 2128943

Beds

Baths

1,492

Sq Ft

1925

Built

—

Garage

Pool

About this home

St. Augustine

Rare downtown St. Augustine duplex — fully furnished, fully restored, and full of opportunity. Just one block from the nation's oldest street and two blocks from the bayfront, this historic property delivers an unbeatable location with flexible income potential. Each of the two apartments features 2 bedrooms, 1 bath, a full kitchen, living room, eat-in area, and private laundry. Property has up to four parking spots. The owner has preserved the historic character while upgrading electrical, plumbing, and HVAC — each unit has its own electric meter and central heat & air. Enjoy over 1,880 sqft of living space with covered porches, a balcony, and a private back patio perfect for grilling or pets. Rent both units for maximum returns, live in one and rent the other, or convert to a single-family home with ease. All appliances included. Minutes to the beaches, steps to dining, shopping, and everything that makes St. Augustine one of the most desirable locations in Florida.

Cost to own

Mortgage calculator

Home Price

$949,000

Down Payment: 20%

$189,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,879

Principal & Interest: $4,879

Property taxes (est.): $1,263

Insurance (est.): $633

Estimated Total Monthly

$6,774

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$4,879

Property taxesest. at asking price, St. Johns County$1,263

Estimated total, before insurance$6,142/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,952/yr · $996/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, 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).

Cost to own

Taxes & assessment

Last sold: $825,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$604,925	$604,925	—
2024	$592,773	$592,773	—
2023	$498,449	$183,211	—
2022	$292,697	$171,564	—
2021	$237,234	$165,111	—
2020	$232,381	$162,141	—

2025 property taxes (current owner): $11,952/yr

Estimated taxes if purchased at asking price: ~$15,200/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Metal — year not disclosed (home built 1925)

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: ~1,661 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

As of July 2026, this 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.

History

Price & status history

Jul 30, 2026Price change$949,000−$50,000
Feb 6, 2026Listed$999,000

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

Features

Price$949,000

Price / Sq Ft$636

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,492

Acres0.05 acres

Year Built1925

TypeResidential Income

Sub-TypeDuplex

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address251 Charlotte Street, St. Augustine, FL 32084

Area322-Downtown St Augustine

SubdivisionCity Of St Augustine

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size2,178 sq ft

Parcel Number1987300010

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Separate Electric Meters, Separate Water Meters, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Guest, Off Street

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Freezer, Gas Water Heater, Microwave, Refrigerator, Washer, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingAttic Fan, Central Air, Separate Meters

FlooringWood

LevelsMulti/Split, Two

LaundryMultiple Locations, In Unit

SecuritySmoke Detector(s)