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

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18 Locust Street

St. Augustine, FL 32084

$899,000$665/sqftEst. $4,617/moMLS# 2161241

Beds

Baths

1,352

Sq Ft

1900

Built

Garage

Pool

About this home

St. Augustine

Discover the timeless elegance of this beautifully preserved Victorian residence nestled in the heart of St. Augustine's coveted Historic Abbott Tract. Situated high and dry beneath a magnificent canopy of mature oak trees, this exceptional home blends historic charm with modern comforts in one of the city's most desirable neighborhoods. Inside, rich spilled honey hardwood floors flow throughout the home, creating a warm and inviting atmosphere. The updated kitchen features quality finishes, an inviting breakfast area, and effortless access to the living spaces, making it ideal for both everyday living and entertaining Multiple covered porches provide the perfect setting to relax with a morning coffee or unwind in the evening while enjoying the tranquil surroundings and timeless beauty of the Historic District.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,617

Principal & Interest: $4,617

Property taxes (est.): $1,196

Insurance (est.): $599

Estimated Total Monthly

$6,413

*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$4,617

Property taxesest. at asking price, St. Johns County$1,196

Estimated total, before insurance$5,813/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,438/yr · $1,037/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): $12,438/yr

Estimated taxes if purchased at asking price: ~$14,400/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.

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: Metal — year not disclosed (home built 1900)

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

Solar potential: ~1,113 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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