$849,900
249 CHARLOTTE Street, St. Augustine, FL 32084, St. Augustine, FL 32084
City Of St Augustine
- Price
- $849,900
- Beds / Baths
- 3 / 2
- Living area
- 1,240 sqft
- Year built
- 1925
- Type
- Residential
- Lot
- 0.16 ac
- Garage
- 0
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 4
- Elementary
- Ketterlinus
- Middle
- Sebastian
- High school
- St. Augustine
Discover the charm and character of this historic 3-bedroom, 2-bath home, set on a generous lot in a secluded residential neighborhood with close proximity to the bayfront and town. Enjoy the appeal of a peaceful setting while still being near local dining, shopping, and waterfront attractions. The multi-family lot classification also provides added potential for future development opportunities. Completely remodeled in 2020-2021, including updates to the electrical, insulation, and mechanical systems, this home offers historic character with modern improvements. A new patio and planter were added in 2022, while the roof and AC were replaced in 2024. Window tinting was added in 2026 with 20% film to help reduce solar heat transfer and glare while supporting AC efficiency. Don't miss the opportunity to own a piece of history with modern updates and incredible potential!
What to check on this one
- Verify roof age and get current insurance quote — replaced 2024, confirm warranty and insurer acceptance.
- Obtain flood zone designation and elevation certificate from St. Johns County — unknown status is a deal blocker.
- Request 4-point inspection and wind-mitigation report — 101-year-old home, required for most insurers in Florida.
- Confirm multi-family lot zoning details with county — verify development potential and any restrictions or approvals needed.
- Review 2020-2021 remodel permits and final sign-offs — electrical, mechanical, insulation work must have inspections on file.
- Get AC warranty details and HVAC service records from 2024 replacement — document maintenance going forward.
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 $679,920 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 REDFIN CORPORATION. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 4:11 PM.
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