This home is in St. Augustine.
Active Under Contract·76 days on market
70 Water Street
St. Augustine, FL 32084
About this home
St. Augustine
This home exudes charm and character . It was designed by the famed architect , F.A. Hollingsworth and resides on one of the highest elevations on one of the most desired streets in , St Augustine. The timeless architecture has been carefully restored and enhanced with the finest materials and craftsmanship from exterior to interior. Step into the foyer where the original stairs , banisters , and hardwood floors have been refinished. Original floors & trim remain throughout. The floorplan flows with formal dining , large chef's kitchen with gas and oversized quartz island , walk-in pantry and an abundance of cabinets . The formal living room is light filled and cozy with hand painted tiles covering the original wood burning fireplace . A den with built in bookshelves off the living room is the perfect place for a home office. An enclosed sunroom with new vinyl windows ,custom Bamboo blinds , stone work fireplace and split system AC overlook the large backyard and pool area . The
Cost to own
Mortgage calculator
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $1,222,063 | $638,549 | — |
| 2024 | $1,159,465 | $619,845 | — |
| 2023 | $1,123,778 | $600,335 | — |
| 2022 | $948,517 | $579,995 | — |
| 2021 | $737,161 | $561,646 | — |
| 2020 | $782,674 | $553,201 | — |
2025 property taxes (current owner): $12,846/yr
Estimated taxes if purchased at asking price: ~$31,900/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: Shingle — year not disclosed (home built 1936)
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: ~1,763 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 homeInformational 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
- Jul 12, 2026Active Under Contract$1,998,000
- May 1, 2026Listed$1,998,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines