This home is in St. Augustine.
Active·1 day on market
28 Joiner Street
St. Augustine, FL 32084
About this home
St. Augustine
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.
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
2025 property taxes (current owner): $8,932/yr
Estimated taxes if purchased at asking price: ~$10,700/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.
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 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 17, 2026Listed$667,000
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: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in St. Augustine
Active$699,990MLS# 2147887Est. $3,726/mo507 Brook Forest Drive, St. Augustine, FL 320925 Beds4 Baths3,540 sqftResidentialOLYMPUS EXECUTIVE REALTY, INC
Active$540,000MLS# 2143507Est. $2,874/mo813 W American Eagle Drive, St. Augustine, FL 320924 Beds3 Baths2,472 sqftResidentialNOTTINGHAM REALTY AND RENTALS
Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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