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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

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Active·Listed today

61 Abbott Street

St. Augustine, FL 32084

$540,000$525/sqftEst. $2,860/moMLS# 2165533
Open house Sun, Sep 20 · 1:00 pm–3:00 pm
2
Beds
1
Baths
1,029
Sq Ft
1930
Built
Garage
No
Pool
No HOA2,614 sqft lotSingle Family Residence1 story

About this home

St. Augustine

Live in the heart of historic St. Augustine in this 1900's cottage on a corner lot in the Abbott Tract. The current owner bought it as a vacation rental, then loved it enough to move in instead. Stroll to the Castillo de San Marcos, the bayfront, and the shops and cafés on San Marco Avenue, then come home to driveway parking, a rare find downtown. The enclosed front porch makes a sunny office or reading nook. Warm wood floors run through a living and dining space spanning the width of the house, anchored by a fireplace. The renovated kitchen pairs a bead board ceiling and shiplap walls with a workstation sink and stacked laundry. The updated bath offers a walk-in glass tile shower and floating wood vanity. Step outside to a private brick courtyard. Metal roof, central air, no HOA or CDD. Full-time home, second home, or investment; short-term rental buyers should confirm current City of St. Augustine requirements. Room measurements are approximate; please verify any that matter to you.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,860
Property taxesest. at asking price, St. Johns County$719
Estimated total, before insurance$3,578/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,930/yr · $661/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$540,000
$108,000
Loan Term
Monthly Payment
$2,860
Principal & Interest: $2,860
Property taxes (est.): $719
Insurance (est.): $360
Estimated Total Monthly
$3,938
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 1930)

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

Solar potential: ~1,590 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

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): $7,930/yr

Estimated taxes if purchased at asking price: ~$8,600/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 18, 2026Active$540,000
  • Sep 18, 2026Listed$540,000

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

Features

Price$540,000
Price / Sq Ft$525
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,029
Total Structure Area1,041 sq ft
Acres0.06 acres
Year Built1930
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

Community Information

Address61 Abbott Street, St. Augustine, FL 32084
Area322-Downtown St Augustine
SubdivisionAbbott Tract
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size2,613.6 sq ft
Parcel Number1951600000
ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingOff Street

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryIn Unit
SecurityOther

Exterior

Lot DescriptionCorner Lot, Historic Area
Patio / PorchFront Porch
FencingFenced
RoofMetal
ConstructionFrame, Wood Siding
Road SurfacePaved

Additional Information

Date ListedSeptember 19, 2026
Days on Market0
Tax Amount$7,930.07
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC · Kylene@CoastalHavenGroup.com

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

9/20/2026

1:00 pm - 3:00 pm