Zoned CM-2, this freestanding ±1,600 SF, 1910 historic cottage delivers rare flexibility in the heart of downtown St. Augustine. Just steps to King St and Flagler College with excellent walkability and neighborhood visibility. A welcoming front porch leads to a reception area, multiple private offices, conference/flex rooms, kitchenette, and a private restroom; outside, an ADA ramp and on-site parking sit on a ±0.19-acre lot. Thoughtfully adapted for professional use while preserving character details. System updates include a 2022 roof and HVAC replacements in 2018-2022. Ideal for professional office, boutique service retail, or conversion back into residential units (buyer to verify use). Located in the Historic Area CRA near, dining, lodging, and services. Flood Zone AE; elevation certificates, boundary survey, and recent capital records available upon request.
Heating:
Central, Electric, Heat Pump
Cooling:
Central Air, Heat Pump
Parking:
Garage, Off Street, Shared Driveway
Construction
Composition Siding, Frame, Wood Siding
Utilities
Cable Available, Electricity Connected, Sewer Connected, Water Connected
Lot Description:
Few Trees, Historic Area
Copyright ©2025 Northeast Florida Multiple Listing Service,
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY
77 SARAGOSSA Street, Out of Area, FL, 32084
The rates and annual percentage rate (APR) displayed are based upon the following assumptions: a 20% down payment (e.g. $20,000 down on a $100,000 purchase price), conforming loan amount, $1,950 in finance charges, 30 days prepaid interest, 1 point, 30 day rate lock. The rates and annual percentage rate (APR) will vary depending upon the actual down payment percentages, points and fees for your transaction. Rates and the margin for adjustable rate mortgages [if applicable] are subject to change without prior notice and may vary with your unique credit history, and terms of your loan. The rates displayed vary by property state, may change or not be available at commitment or closing or may be subject to product restrictions.
The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first five years (for a 5/6 ARM) or seven years (for a 7/6 ARM) and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan. Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable -rate mortgages [if applicable], are subject to change without prior notice.
CT Mortgage Lender ML-2630 - MA Mortgage Lender and Mortgage Broker #MC2630 - NH Mortgage Banker #11083-MB - RI Mortgage Lender & Mortgage Broker #20051918LL & #20051919LB - NY Licensed Mortgage Banker - NYS Department of Financial Services LMBC 106535 / B500898 - NJ Residential Mortgage Lender 2630 - FL Mortgage Lender MLD1388 - VT Lender & Mortgage Broker #6952 & #1297MB
