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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$740,000

6 E SAN CARLOS Avenue, St. Augustine, FL 32084

Nelmar Terrace

Price
$740,000
Beds / Baths
4 / 3
Living area
1,740 sqft
Year built
1950
Type
Residential
Lot
0.28 ac
Garage
2
HOA
None
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
0
Elementary
Ketterlinus
Middle
Sebastian
High school
St. Augustine

Two homes, one property--minutes to Historic district and beach. This North City/Uptown gem offers a charming 2BR/2BA main residence plus a separate 2BR/1BA apartment above the garage for true flexibility. The main house showcases original hardwood floors, a brick wood-burning fireplace, and a flowing plan with a front sitting/sun room, living room, dining area, office/flex room, and an all-season room. The updated kitchen features new cabinetry, counters, and appliances; lighting and doors have been refreshed throughout. Each bedroom functions as an owner suite, and both open directly to decks overlooking the newly fully fenced backyard under grand live oaks and Spanish moss--perfect for morning coffee, evening wine, or weekend gatherings. This property is ideal for multigenerational living, guest quarters, a home office, or generating potential income as a short-term or long-term rental.

What to check on this one

  • Verify roof age and get 4-point inspection—1950 home may need wind-mitigation cert for insurance.
  • Confirm plumbing materials; cast-iron or galvanized lines common in 1950s, may need replacement.
  • Check flood zone officially; St. Johns County uses FEMA maps—elevation certificate if AE/VE.
  • Review short-term rental eligibility with St. Augustine city code; some zones have restrictions.
  • Inspect both structures' foundations and HVAC systems separately—two homes = two mechanical systems.
  • Verify property survey shows both dwellings legally separate; confirm utility setup for accessory unit.

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$3,840/mo
Property tax (1.1% eff., St. Johns Co.)$678/mo
Homeowners insurance (est.)$432/mo
All-in monthly (est.)$4,950/mo

Loan $592,000 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 RE/MAX UNLIMITED. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 3:34 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.