This home is in St. Augustine — a home near St. Augustine High School.
Sold·Closed Sep 4, 2026·36 days on market·Recent sales in St. Augustine
181 Martin Luther King Avenue
St. Augustine, FL 32084
About this home
St. Augustine
SELLER MOTIVATED! Rare opportunity to own a fully renovated, move-in-ready home in Historic Lincolnville, just minutes from downtown St. Augustine. This charming cottage features 2 private primary suites, updated designer bathrooms, original hardwood floors, and a beautifully remodeled kitchen. The standout feature is the detached garage--a rare find in Historic Lincolnville--providing secure parking, storage, a workshop, or hobby space. Durable metal roof and concrete siding offer low-maintenance living. Relax on the spacious front and rear porches overlooking the large backyard. Perfect as a primary residence, vacation home, second home, student housing, or investment property with short-term rental potential. Walk to restaurants, shopping, museums, and historic attractions, with St. Augustine Beach less than 6 miles away. Furnishings negotiable.
Next steps in St. Augustine
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.
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: material not specified — year not disclosed (home built 1940)
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 homeAs 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $425,791 | $425,791 | — |
| 2024 | $417,667 | $399,981 | — |
| 2023 | $440,048 | $363,619 | — |
| 2022 | $368,097 | $330,563 | — |
| 2021 | $300,512 | $300,512 | — |
| 2020 | $256,452 | $237,446 | — |
2025 property taxes (current owner): $8,410/yr
Estimated taxes if purchased at asking price: ~$8,500/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.
History
Price & status history
- Sep 4, 2026Closed$549,000
- Aug 1, 2026Pending$549,000
- Jun 26, 2026Listed$549,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $503/sq ft; this home is listed at $461/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 136 Washington Street, St. Augustine, FL 32084Listed by REAL BROKER LLC | Jun 2026 | $475,000 | $474 | 3/2 | 1,003 | 8 | 0.3 |
| 118 Kings Ferry Way, St. Augustine, FL 32084Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $582,000 | $399 | 3/2.5 | 1,457 | 35 | 0.4 |
| 125 Moore Street, St. Augustine, FL 32084Listed by FIV REALTY CO FLORIDA LLC | Jun 2026 | $575,000 | $503 | 3/2 | 1,143 | 56 | 0.4 |
| 307 St George Street, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Jun 2026 | $735,000 | $520 | 2/2.5 | 1,414 | 84 | 0.4 |
| 249 Charlotte Street, St. Augustine, FL 32084Listed by REDFIN CORPORATION | Sep 2026 | $800,000 | $645 | 3/2 | 1,240 | 3 | 0.7 |
| 1349 Mattie Street, St. Augustine, FL 32084Listed by NEXTHOME ENDLESS SUMMER | Jun 2026 | $252,000 | $212 | 3/2 | 1,190 | 177 | 0.9 |
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
Additional Information
Listing Courtesy of: MOXII PRO 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 4, 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
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