This home is in Abbott Tract, St. Augustine — a home near St. Augustine High School.
Sold·Closed Aug 20, 2026·3 days on market·Recent sales in Abbott Tract·Abbott Tract
28 Joiner Street
St. Augustine, FL 32084
5 more homes for sale in Abbott Tract →Search Abbott Tract on the map
About this home
Abbott Tract
28 Joiner Street presents a rare opportunity to own an authentic Craftsman home in the heart of Uptown St. Augustine, where original 1900 character meets modern comfort and true in-town walkability. Offering three bedrooms, two bathrooms, fully furnished and 1,378 square feet of well-arranged living space, this home showcases the craftsmanship that defines the neighborhood's most beloved residences: nine-foot ceilings, yellow pine floors, picture rail trim, eight-inch baseboards, and beautifully preserved period millwork throughout the main living areas. The welcoming covered front porch sets the tone from the moment you arrive, offering the classic St. Augustine ritual of morning coffee and evening conversation with neighbors. Inside, the updated kitchen and both renovated bathrooms deliver the convenience today's buyers expect while remaining true to the home's historic character.
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.
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 1900)
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: ~1,740 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $8,932/yr
Estimated taxes if purchased at asking price: ~$10,500/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, NEFMLS.
History
Price & status history
- Aug 20, 2026Closed$667,000
- Jul 20, 2026Active Under Contract$667,000
- Jul 17, 2026Listed$667,000
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 $452/sq ft; this home is listed at $484/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 42 Rohde Avenue, St. Augustine, FL 32084Listed by THE NEWCOMER GROUP | Jun 2026 | $675,000 | $452 | 3/2 | 1,494 | 14 | 0.4 |
| 17 Ballard Avenue, St. Augustine, FL 32084Listed by RE/MAX BLUE COAST | Jul 2026 | $390,000 | $360 | 3/1 | 1,082 | 1 | 0.5 |
| 249 Charlotte Street, St. Augustine, FL 32084Listed by REDFIN CORPORATION | Sep 2026 | $800,000 | $645 | 3/2 | 1,240 | 3 | 0.8 |
| 6 Douglas Avenue, St. Augustine, FL 32084Listed by WATSON REALTY CORP | Jun 2026 | $425,000 | $360 | 3/2 | 1,181 | 4 | 0.8 |
| 312 Alcazar Street, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $475,000 | $353 | 3/2 | 1,344 | 85 | 1 |
| 307 St George Street, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Jun 2026 | $735,000 | $520 | 2/2.5 | 1,414 | 84 | 1 |
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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
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For Sale61 Abbott StreetSt. Augustine, FL 32084
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For Sale18 Locust StreetSt. Augustine, FL 32084
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$899,000Est. $4,785/moDiscover the timeless elegance of this beautifully preserved Victorian residence nestled in the heart of St.…
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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 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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 20, 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