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6548 Putnam Street

St. Augustine, FL 32080

$885,000$340/sqftEst. $4,550/moMLS# 2162106

Beds

Baths

2,606

Sq Ft

1993

Built

—

Garage

Pool

About this home

St. Augustine

Completely reimagined inside and out, this 2,606 sqft home offers 4 spacious bedrooms, 4 beautifully updated baths, and incredible flexibility across two distinct living levels, each with its own kitchen and laundry. Every detail has been thoughtfully designed, from the kitchens, bathrooms, flooring, lighting and electrical to major systems and exterior improvements, including new siding, fresh paint, brand-new Trex decking and an extended driveway. Generously sized bedrooms and flexible living spaces make the layout ideal for multigenerational living, extended guests, STR, work-from-home needs or additional entertaining space. Enjoy the best of coastal St. Augustine living, with beaches, boating, Intracoastal access, dining, and historic downtown all just minutes away. This is a rare opportunity to enjoy extensive renovations, versatile living spaces, and a prime St. Augustine location!

Cost to own

Mortgage calculator

Home Price

$885,000

Down Payment: 20%

$177,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,550

Principal & Interest: $4,550

Property taxes (est.): $1,178

Insurance (est.): $590

Estimated Total Monthly

$6,317

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,550

Property taxesest. at asking price, St. Johns County$1,178

Estimated total, before insurance$5,727/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,460/yr · $622/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): $7,460/yr

Estimated taxes if purchased at asking price: ~$14,100/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

Aug 27, 2026Listed$885,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$885,000

Price / Sq Ft$340

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,606

Acres0.21 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address6548 Putnam Street, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionOcean Grove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size9,147.6 sq ft

Parcel Number1800500080

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer, Septic Tank

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Tankless Water Heater, Washer/Dryer Stacked

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo