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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 Williams Addition, St. Augustine — a home near St. Augustine High School.

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Active

Active·2 days on market·Williams Addition

15 Myrtle Avenue

St. Augustine, FL 32084

$525,000$467/sqftEst. $2,885/mo mortgageMLS# 2170250
Open house Sat, Oct 24 · 11:00 am–2:00 pm
2
Beds
1
Baths
1,125
Sq Ft
1925
Built
—
Garage
No
Pool

2 more homes for sale in Williams Addition →Search Williams Addition on the map

FEMA Zone AENo HOA6,098 sqft lotSingle Family Residence1 story

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About this home

Williams Addition

Fall in love with the charm of St. Augustine at 15 Myrtle Avenue! Nestled in the desirable North City neighborhood, just moments from historic downtown, this inviting 2-bedroom, 1-bath cottage blends timeless character with modern comforts. Inside, discover beautifully restored original hardwood floors, fresh interior paint, a cozy brick fireplace, and a kitchen with brand-new appliances. A screened side room offers the perfect spot to unwind and enjoy Florida breezes. Outside, an expansive paver courtyard and a gazebo create a dreamy setting for entertaining, alfresco dining, or relaxing under the sunshine. And a rare downtown-area bonus: TWO off-street parking spaces! Enjoy easy access to San Marco Avenue's shops and dining, the Fountain of Youth, Mission Nombre de Dios, St. George Street, and the Castillo de San Marcos. Whether you're seeking a full-time home or a charming getaway, this gem puts the best of the Ancient City at your fingertips. Your St. Augustine story starts here!

Next steps in Williams Addition

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,885
Property taxesest. at asking price, St. Johns County$699
Estimated total, before insurance$3,584/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,377/yr · $198/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

$525,000
$105,000
Loan Term
Monthly Payment
$2,885
Principal & Interest: $2,885
Property taxes (est.): $699
Insurance (est.): $350
Estimated Total Monthly
$3,934
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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: Shingle, Other — 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: ~1,630 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

As 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $2,377/yr

Estimated taxes if purchased at asking price: ~$8,400/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

  • Oct 22, 2026Active$525,000
  • Oct 16, 2026Listed$525,000

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 $463/sq ft; this home is listed at $467/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
17 Ballard Avenue, St. Augustine, FL 32084Listed by RE/MAX BLUE COASTJul 2026$390,000$3603/11,08210.1
54 Grove Avenue, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$479,000$5552/1.58631720.4
28 Joiner Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$655,000$4753/21,37830.4
6 Douglas Avenue, St. Augustine, FL 32084Listed by WATSON REALTY CORPJun 2026$425,000$3603/21,18140.4
5 Beacon Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$300,000$2443/11,2281050.8
31 Oak Street, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$457,200$4632/29882221

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

Price$525,000
Price / Sq Ft$467
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage1,125
Total Structure Area1,357 sq ft
Acres0.14 acres
Year Built1925
TypeResidential
Sub-TypeSingle Family Residence
StyleCottage, Historic
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryKetterlinus
Reported middleSebastian
Reported highSt. Augustine
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address15 Myrtle Avenue, St. Augustine, FL 32084
Area322-Downtown St Augustine
SubdivisionWilliams Addition
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32084
Lot Size6,098.4 sq ft
Parcel Number1908350000

Amenities

Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
Green / EnergyAppliances
ParkingAdditional Parking, Off Street

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringWood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesOther, Wood Burning
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Exterior FeaturesBalcony, Courtyard
Lot DescriptionHistoric Area, Many Trees
Patio / PorchDeck, Front Porch, Screened, Wrap Around
FencingFenced, Back Yard, Wood
RoofShingle, Other
ConstructionFrame, Wood Siding
Other StructuresGazebo
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedOctober 22, 2026
Days on Market1
Tax Amount$2,376.67
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REALTY ONE GROUP ELEVATE

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 Williams Addition

Williams Addition is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all Williams Addition homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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

Open Houses

10/24/2026

11:00 am - 2:00 pm

10/25/2026

12:00 pm - 3:00 pm