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50 Charlotte St, Saint Augustine, FL, 32084

3beds
2baths
2,000sqft
$1,975,000
$988price/sqft
$13,957/moest. monthly cost
$558,280/yrincome needed

About This Home

50 Charlotte Street | St. Augustine, Florida - An Iconic Corner in the Heart of the Historic District Positioned at the prominent corner of Charlotte and Hypolita Streets, 50 Charlotte Street presents a truly rare offering in the heart of St. Augustine's historic district that has been lovingly held as a legacy property by the same family for over 50 years. Just one block from the Matanzas River bayfront, this exceptional property is surrounded by renowned restaurants, boutique shops, and the city's most celebrated attractions. With unmatched walkability, high visibility, and constant pedestrian and trolley traffic throughout the day, the location stands among the most desirable in one of Florida's most iconic destinations. Originally constructed in 1900, this two-story historic building embodies the timeless character and architectural heritage that define St. Augustine. Set on a fully walled lot, the property reveals a private, brick-pavered courtyard shaded by mature trees - an inviting and tranquil retreat that contrasts beautifully with the vibrant energy just beyond its walls. A classic wooden second-story balcony overlooks Charlotte Street, offering a charming vantage point of the lively streetscape with glimpses toward the bayfront. The first floor features two thoughtfully designed units, including an inviting retail storefront and a separate residential apartment, each curated with finishes that honor the building's historic integrity. The second floor hosts a beautifully appointed one-bedroom residence, complete with rich wood flooring, a cozy kitchen, traditional shuttered windows, and a full bath. This residence opens onto a private deck overlooking the courtyard, creating a serene and intimate outdoor living space. Access from Charlotte Street welcomes guests through a charming entry into the courtyard, providing entry to the retail space, the second-floor residence, and an additional detached unit tucked within the courtyard - ideal for a creative studio, office, or flexible workspace. A second point of entry through an antique iron gate on Hypolita Street offers convenient access to the first-floor residential unit and the rear studio, enhancing the property's versatility for multiple occupants or uses. Zoned HP-2 (Historic Preservation 2), the property allows for a dynamic mix of residential and commercial uses, including retail, office, and hospitality-oriented concepts. With four total units, enduring architectural appeal, and a premier downtown location, this property offers exceptional flexibility for an owner-user, investor, or business operator. Whether envisioned as a boutique retail destination, professional office, income-producing investment, or a distinctive live-work environment, the possibilities are as compelling as the setting itself. Please note: The current business does not convey with the sale, as it will be relocating to another downtown location. All occupants will vacate the property prior to closing. The square footage is approximate.

Getting Around

88
WalkingVery Walkable
0
TransitVery Limited Transit
87
BikeVery Bikeable

Schools

7/10
7/10
Sebastian Middle SchoolGrades 6-82.1 mi
5/10
St. Augustine High SchoolGrades 9-122.7 mi

Construction

Condition

  • Year built: 1900

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Interior Area

  • Total structure area: 2,000
  • Total interior livable area: 2,000 sqft

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 1970600000
  • Zoning: HP-2

Features

  • Stories: 2
  • Entry location: Ground Level

Lot

  • Lot size: 1,742 sqft
  • Features: Less than 1/4 Acre

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $9,986$119,832
Home Insurance *$1,760$21,120
Property Taxes $2,010$24,120
Electricity $201$2,415
Total$13,957$167,484
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$478,525/yr
40% on housing$418,710/yr
45% on housing$372,186/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$988This listing

vs Other Active Listings

Avg $/sqft

ZIP 32084$225
St. Johns County$290

vs Homes Sold Last Month

Median $/sqft

ZIP 32084$218
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-04Listed for sale$2,175,000

For Sale by Agent

AgentJena Dennis
BrokerageGreat Expectations Realty

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