340 Charlotte Street, St. Augustine, FL 32084
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 25, 2026, 340 CHARLOTTE Street in City Of St Augustine, St. Augustine is listed at $1,150,000 (3,322 sq ft, about $346 per sq ft). That is 15% above City Of St Augustine's median closed sale of $1,000,000 over the last 12 months (9 recorded sales). Per square foot it is below the community's recent $432/sq ft by about 20%. It has been 83 days on market. Listing facts: built in 1899, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1899 · 127 yrs
- 3,322 sq ft of living area
- 83 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1899BuiltPer public record
- Sep 25, 2026First trackedObserved at $1,150,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $6,090/mo 80%
- Taxes $824/mo 11%
- Insurance $624/mo 8%
- HOA $50/mo 1%
$7,588/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Adjust for your exemptions, portability, and down payment
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Property Score
66/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $346 per square foot, about 20% below the community’s $432 median. City Of St Augustine’s 12-month median sold price per square foot is $432. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Built in 1899 and beautifully restored, this iconic ''Pink House'' is gracefully positioned along the picturesque shores of Lake Maria Sanchez, offering a rare opportunity to own a distinguished piece of St. Augustine's history in one of Historic Downtown's most coveted settings. Original hardwood floors, spacious gathering rooms, period architecture, and authentic historic details create an atmosphere that simply cannot be replicated.
Every room tells a story, embracing the craftsmanship and character of a bygone era. Spanning six generously sized bedrooms, the home offers remarkable flexibility for hosting family and guests. Multiple covered porches overlook the tranquil lake, providing the perfect setting to enjoy morning coffee while watching horse-drawn carriages make their way through the Historic District.
Currently operating as a successful short-term rental and offered fully furnished. Each bedroom features antique furnishings and artwork that pay tribute to St. Augustine's remarkable past, creating an authentic living experience unlike any other.
The open-concept kitchen features crisp white cabinetry, stainless steel appliances, and flows seamlessly into the formal dining room, creating an inviting space for both everyday living and entertaining. The expansive fenced backyard offers a private retreat for entertaining, family gatherings, or simply enjoying the peaceful surroundings. A recently added driveway provides the rare convenience of private off-street parking for up to six vehicles--an exceptional amenity in Historic Downtown.
Perhaps the home's greatest luxury is its location. Just a short stroll from Flagler College, acclaimed restaurants, boutique shopping, museums, art galleries, and the cobblestone streets of America's oldest city, you'll enjoy the very best of downtown living while returning home to the serenity of Lake Maria Sanchez. Here, the energy of Historic St.
Augustine is only moments away, yet the setting remains peaceful, private, and undeniably charming. Rich in history, timeless in character, and unmatched in location, this extraordinary waterfront residence offers a once-in-a-generation opportunity to own one of Historic St. Augustine's most iconic homes.
All 65 photos
Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $1,150,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1899 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 83 days on market vs. a 158-day community median
- 174 active listings competing, 87 under contract
For reference, this home is listed at $1,150,000 ($346/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,322 sq ft × $380–$484/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 25, 2026.
Similar homes for sale near City Of St Augustine
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in City Of St Augustine
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- 700 N Indigo Terrace · $625,000 · 5 bd / 4.0 ba · listed September 25, 2026 (courtesy of COLDWELL BANKER ANABASIS REALTY)
- 109 Mary Alice Drive · $425,900 · 5 bd / 3.0 ba · listed September 24, 2026 (courtesy of D R HORTON REALTY INC)
- 117 Mary Alice Drive · $347,400 · 4 bd / 2.0 ba · listed September 24, 2026 (courtesy of D R HORTON REALTY INC)
- 129 Mary Alice Drive · $370,900 · 4 bd / 2.0 ba · listed September 24, 2026 (courtesy of D R HORTON REALTY INC)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 340 CHARLOTTE Street?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE · MLS # 2166351
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Recent sales activity in City Of St Augustine
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the City Of St Augustine neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on City Of St Augustine
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 340 CHARLOTTE Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1899 (127 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 3,322 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $9,890/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: September 25, 2026) |
| Community market stats | realMLS closed sales, as of September 25, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 340 CHARLOTTE Street and when was it built?
Per the listing record, 340 CHARLOTTE Street was built in 1899 and has 3,322 sq ft of living area, 6 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 340 CHARLOTTE Street in?
340 CHARLOTTE Street is in City Of St Augustine in St. Augustine, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for City Of St Augustine from the same MLS data.
Does 340 CHARLOTTE Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 340 CHARLOTTE Street differ from the current owner's?
The estimate on this page (about $9,890 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 340 CHARLOTTE Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 340 CHARLOTTE Street in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.