Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$549,000

181 MARTIN LUTHER KING Avenue, St. Augustine, FL 32084, St. Augustine, FL 32084

Lincolnville

Price
$549,000
Beds / Baths
2 / 2
Living area
1,192 sqft
Year built
1940
Type
Residential
Lot
0.12 ac
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
36
Elementary
Ketterlinus
Middle
Sebastian
High school
St. Augustine

SELLER MOTIVATED! Rare opportunity to own a fully renovated, move-in-ready home in Historic Lincolnville, just minutes from downtown St. Augustine. This charming cottage features 2 private primary suites, updated designer bathrooms, original hardwood floors, and a beautifully remodeled kitchen. The standout feature is the detached garage--a rare find in Historic Lincolnville--providing secure parking, storage, a workshop, or hobby space. Durable metal roof and concrete siding offer low-maintenance living. Relax on the spacious front and rear porches overlooking the large backyard. Perfect as a primary residence, vacation home, second home, student housing, or investment property with short-term rental potential. Walk to restaurants, shopping, museums, and historic attractions, with St. Augustine Beach less than 6 miles away. Furnishings negotiable.

What to check on this one

  • Verify flood zone designation and elevation certificate with St. Johns County Property Appraiser.
  • Confirm metal roof installation date and manufacturer warranty details.
  • Pull 4-point inspection report; verify all systems meet current insurer standards.
  • Review concrete siding condition; confirm no settling or moisture issues.
  • Verify short-term rental eligibility in Historic Lincolnville zoning district.
  • Inspect original hardwood floors for structural integrity and refinish quality.

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

Principal & interest$2,849/mo
Property tax (1.1% eff., St. Johns Co.)$503/mo
Homeowners insurance (est.)$320/mo
All-in monthly (est.)$3,672/mo

Loan $439,200 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 MOXII PRO REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 1, 2026, 1:45 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.