This home is in St. Augustine.
Active·44 days on market
6548 Putnam Street
St. Augustine, FL 32080
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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!
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: material not specified — year not disclosed (home built 1993)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · Public water · St Johns County Utilities - water accounts
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,818 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): $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.
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 $482/sq ft; this home is listed at $340/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6435 Broward Street, St. Augustine, FL 32080Listed by THE NEWCOMER GROUP | Sep 2026 | $1,675,000 | $606 | 4/4 | 2,763 | 4 | 0.2 |
| 7111 A1A S, St. Augustine, FL 32080Listed by WATSON REALTY CORP | Sep 2026 | $2,100,000 | $642 | 4/3 | 3,272 | 72 | 0.7 |
| 225 Pizarro Road, St. Augustine, FL 32080Listed by CENTURY 21 BECKHAM REALTY | Jul 2026 | $875,000 | $368 | 3/2.5 | 2,376 | 123 | 0.7 |
| 5900 Costanero Road, St. Augustine, FL 32080Listed by FIV REALTY CO FLORIDA LLC | Sep 2026 | $900,000 | $318 | 3/3.5 | 2,833 | 104 | 0.9 |
| 300 Riverside Boulevard, St. Augustine, FL 32080Listed by DJ & LINDSEY REAL ESTATE | Jun 2026 | $750,000 | $338 | 3/2.5 | 2,220 | 184 | 1.2 |
| 5497 Pelican Way, St. Augustine, FL 32080Listed by COLDWELL BANKER PREMIER PROPERTIES | Sep 2026 | $1,225,000 | $482 | 4/4 | 2,542 | 7 | 1.3 |
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: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines