$949,000
251 CHARLOTTE Street, St. Augustine, FL 32084
City Of St Augustine
- Price
- $949,000
- Beds / Baths
- 4 / 2
- Living area
- 1,492 sqft
- Year built
- 1925
- Type
- MultiFamily
- Lot
- 0.05 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 207
Rare downtown St. Augustine duplex — fully furnished, fully restored, and full of opportunity. Just one block from the nation's oldest street and two blocks from the bayfront, this historic property delivers an unbeatable location with flexible income potential. Each of the two apartments features 2 bedrooms, 1 bath, a full kitchen, living room, eat-in area, and private laundry. Property has up to four parking spots. The owner has preserved the historic character while upgrading electrical, plumbing, and HVAC — each unit has its own electric meter and central heat & air. Enjoy over 1,880 sqft of living space with covered porches, a balcony, and a private back patio perfect for grilling or pets. Rent both units for maximum returns, live in one and rent the other, or convert to a single-family home with ease. All appliances included. Minutes to the beaches, steps to dining, shopping, and everything that makes St. Augustine one of the most desirable locations in Florida.
What to check on this one
- Verify exact flood zone designation and elevation certificate requirement from FEMA/St. Johns County
- Order 4-point inspection and wind-mitigation report — 1925 construction triggers insurer scrutiny
- Confirm roof age, materials, and remaining warranty; document all recent upgrades
- Review electrical, plumbing, HVAC upgrade scope and permits — verify code compliance
- Inspect for polybutylene plumbing or cast-iron drain lines; test water pressure and flow
- Confirm dual-meter setup, rental history, lease terms, and local short-term rental ordinance compliance
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $759,200 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Jul 30, 2026, 4:13 PM.
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