This home is in Abbott Tract, St. Augustine — a pool home in St. Johns County.
Active·Listed today·Abbott Tract
48 Osceola Street
St. Augustine, FL 32084
4 more homes for sale in Abbott Tract →Search Abbott Tract on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 333-8595 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Abbott Tract
A rare gem in St. Augustine's highly coveted Abbott Tract, this circa-1900 residence captures the timeless allure of historic downtown living with the ease of modern updates. Beautifully preserved and thoughtfully enhanced, the property offers a sparkling blue lap pool surrounded by tropical foliage, the 2-bedroom, 2-bath main home along with a detached 1-bedroom, 1-bath guest suite featuring a private entrance and kitchenette--ideal for elegant guest accommodations, multigenerational living, or premium short-term rental income. Rich hardwood flooring, historic architectural details, and an undeniable sense of character define the interiors, while the open-concept rear living area creates a seamless setting for relaxed living and entertaining. The two bedrooms are gracefully situated at the front of the home, each with en-suite bath access, with one bath also conveniently serving visitors from the main hall.
Next steps in Abbott Tract
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 1900)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,685 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 October 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): $13,262/yr
Estimated taxes if purchased at asking price: ~$19,100/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
- Sep 30, 2026Listed$1,195,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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.
The neighborhood
About Abbott Tract
Abbott Tract is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Abbott Tract homes for sale →Keep looking
More homes in Abbott Tract
For Sale22 Joiner StreetSt. Augustine, FL 32084
4 bd · 2.5 ba · 1,930 sq ft
$1,150,000Est. $6,121/moStep into a rare opportunity to own a beautifully restored piece of St. Augustine history in the desirable Abbot Tract…
Listing Office: keller williams realty atlantic partners st. augustine
For Sale47 Osceola StreetSt. Augustine, FL 32084
4 bd · 4 ba · 2,304 sq ft
$1,295,000Est. $6,893/moSituated in the coveted Abbott Tract in historic St. Augustine, this immaculately maintained home offers the rare…
Listing Office: keller williams realty atlantic partners st. augustine
For Sale18 Locust StreetSt. Augustine, FL 32084
3 bd · 2 ba · 1,352 sq ft
$899,000Est. $4,785/moDiscover the timeless elegance of this beautifully preserved Victorian residence nestled in the heart of St.…
Listing Office: keller williams realty atlantic partners st. augustine
For Sale61 Abbott StreetSt. Augustine, FL 32084
2 bd · 1 ba · 1,029 sq ft
$540,000Est. $2,874/moLive in the heart of historic St. Augustine in this 1900's cottage on a corner lot in the Abbott Tract. The current…
Listing Office: real broker llc
Keep looking
Similar homes in St. Augustine
Explore the area
More in Abbott Tract
Abbott Tract guides & reports
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