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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active

Active·91 days on market

348 Charlotte Street

St. Augustine, FL 32084

$879,000$355/sqftEst. $4,792/mo mortgageMLS# 2157738
↓ $71,000 below original list
3
Beds
3
Baths
2,479
Sq Ft
1900
Built
—
Garage
No
Pool
FEMA Zone AENo HOASingle Family Residence2 stories

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About this home

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.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$4,792
Property taxesest. at asking price, St. Johns County$1,170
Estimated total, before insurance$5,962/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$879,000
$175,800
Loan Term
Monthly Payment
$4,792
Principal & Interest: $4,792
Property taxes (est.): $1,170
Insurance (est.): $586
Estimated Total Monthly
$6,548
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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: Shingle — 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: ~1,772 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

As 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$14,000/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

  • Oct 23, 2026Price change$879,000−$20,000
  • Sep 24, 2026Price change$899,000−$20,900
  • Sep 10, 2026Price change$919,900−$20,000
  • Sep 5, 2026Price change$939,900−$10,100
  • Jul 30, 2026Listed$950,000

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 $401/sq ft; this home is listed at $355/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
158 Washington Street, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLCOct 2026$965,000$4014/2.52,408150.1
143 Washington Street, St. Augustine, FL 32084Listed by THE WILKINS WAYAug 2026$1,450,000$6063/2.52,3941960.1
142 Washington Street, St. Augustine, FL 32084Listed by MARKET FORCE BROKERS LLCAug 2026$800,000$3574/3.52,238480.1
88 Lincoln Street, St. Augustine, FL 32084Listed by MAXREV, LLCOct 2026$698,600$3394/3.52,0602980.3
290 St. George Street, St. Augustine, FL 32084Listed by MAXREV, LLCAug 2026$1,645,000$5344/3.53,080840.3
110 De Haven Street, St. Augustine, FL 32084Listed by COLDWELL BANKER ANABASIS REALTYSep 2026$507,800$2774/31,83070.4

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

Price$879,000
Price / Sq Ft$355
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,479
Year Built1900
TypeResidential
Sub-TypeSingle Family Residence
StyleHistoric
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

Zoned elementaryKetterlinus Elementary School
Zoned middleSebastian Middle School
Zoned highSt. Augustine High School
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryKetterlinus
Reported middleSebastian
Reported highSt. Augustine
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address348 Charlotte Street, St. Augustine, FL 32084
Area322-Downtown St Augustine
SubdivisionCity Of St Augustine
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Parcel Number2006300000
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Water Available
Water SourcePublic
ParkingOff Street, Secured

Interior

AppliancesDishwasher, Dryer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo
LaundryIn Unit

Exterior

RoofShingle

Additional Information

Date ListedJuly 30, 2026
Days on Market91
Tax Amount$13,608
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ST AUGUSTINE 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

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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