Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in City Of St Augustine, St. Augustine — a home near St. Augustine High School.

1 / 40

Active

Active·Listed today·City Of St Augustine

348 Charlotte Street

St. Augustine, FL 32084

$950,000$383/sqftEst. $4,844/moMLS# 2157738

Beds

Baths

2,479

Sq Ft

1900

Built

—

Garage

Pool

About this home

City Of St Augustine

Step into the timeless charm of historic St. Augustine with this beautifully updated 3-bedroom, 3-bathroom home located on prestigious Charlotte Street--one of the city's most sought-after addresses. Built in 1900, this exceptional two-story residence showcases the classic architectural character that makes St. Augustine so unique while offering the modern updates today's homeowners desire. Spanning well over 2,000 square feet, the home features solid flooring throughout and a thought fully renovated interior that perfectly balances historic elegance with contemporary comfort. The updated kitchen offers a clean, slightly modern aesthetic, making it an inviting space for both everyday living and entertaining. The luxurious primary bathroom has been beautifully remodeled, creating a spa-like retreat within the home.

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,844

Principal & Interest: $4,844

Property taxes (est.): $1,264

Insurance (est.): $633

Estimated Total Monthly

$6,741

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$4,844

Property taxesest. at asking price, St. Johns County$1,264

Estimated total, before insurance$6,108/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,608/yr · $1,134/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

2025 property taxes (current owner): $13,608/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1900)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,772 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

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