This home is in St. Augustine — a home near St. Augustine High School.
Sold·Closed Sep 25, 2026·3 days on market·Recent sales in St. Augustine
249 Charlotte Street
St. Augustine, FL 32084
About this home
St. Augustine
Discover the charm and character of this historic 3-bedroom, 2-bath home, set on a generous lot in a secluded residential neighborhood with close proximity to the bayfront and town. Enjoy the appeal of a peaceful setting while still being near local dining, shopping, and waterfront attractions. The multi-family lot classification also provides added potential for future development opportunities. Completely remodeled in 2020-2021, including updates to the electrical, insulation, and mechanical systems, this home offers historic character with modern improvements. A new patio and planter were added in 2022, while the roof and AC were replaced in 2024. Window tinting was added in 2026 with 20% film to help reduce solar heat transfer and glare while supporting AC efficiency. Don't miss the opportunity to own a piece of history with modern updates and incredible potential!
Next steps in St. Augustine
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, 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
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 1925)
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: ~1,734 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 homeAs 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $9,782/yr
Estimated taxes if purchased at asking price: ~$12,800/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
- Sep 25, 2026Closed$849,900
- Aug 31, 2026Active Under Contract$849,900
- Aug 28, 2026Listed$849,900
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 $474/sq ft; this home is listed at $685/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 307 St George Street, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Jun 2026 | $735,000 | $520 | 2/2.5 | 1,414 | 84 | 0.2 |
| 118 Kings Ferry Way, St. Augustine, FL 32084Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $582,000 | $399 | 3/2.5 | 1,457 | 35 | 0.4 |
| 125 Moore Street, St. Augustine, FL 32084Listed by FIV REALTY CO FLORIDA LLC | Jun 2026 | $575,000 | $503 | 3/2 | 1,143 | 56 | 0.4 |
| 136 Washington Street, St. Augustine, FL 32084Listed by REAL BROKER LLC | Jun 2026 | $475,000 | $474 | 3/2 | 1,003 | 8 | 0.4 |
| 181 Martin Luther King Avenue, St. Augustine, FL 32084Listed by MOXII PRO REALTY | Sep 2026 | $535,000 | $449 | 2/2 | 1,192 | 36 | 0.7 |
| 312 Alcazar Street, St. Augustine, FL 32080Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $475,000 | $353 | 3/2 | 1,344 | 85 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REDFIN CORPORATION
Sold by: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY (buyer's brokerage)
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
This home sold on Sep 25, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ 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
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