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 St. Augustine — a home near St. Augustine High School.

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Active

Active·3 days on market

22 Joiner Street

St. Augustine, FL 32084

$1,150,000$596/sqftEst. $5,906/moMLS# 2160596

Beds

Baths

1,930

Sq Ft

1900

Built

—

Garage

Pool

About this home

St. Augustine

Step into a rare opportunity to own a beautifully restored piece of St. Augustine history in the desirable Abbot Tract neighborhood. Originally built in 1900, this stunning 4-bedroom, 2.5-bath home has been completely remodeled from top to bottom while thoughtfully preserving the timeless character and architectural charm that make historic homes so special. Situated on one of the largest lots in the area, this exceptional property offers the perfect blend of historic elegance and modern peace of mind. Extensive renovations include a new metal roof, new HVAC system, new structural piers, new decking, new subflooring and flooring, new windows, fresh interior and exterior paint, new appliances, and countless additional upgrades throughout the home. Enter through the side entrance from the driveway into a welcoming landing area that sets the tone for the home's inviting atmosphere.

Cost to own

Mortgage calculator

Home Price

$1,150,000

Down Payment: 20%

$230,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$5,906

Principal & Interest: $5,906

Property taxes (est.): $1,530

Insurance (est.): $767

Estimated Total Monthly

$8,203

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$5,906

Property taxesest. at asking price, St. Johns County$1,530

Estimated total, before insurance$7,436/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,559/yr · $547/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): $6,559/yr

Estimated taxes if purchased at asking price: ~$18,400/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: ~1,575 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 August 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.

History