48 Osceola Street, Saint Augustine, FL, 32084 | $1,395,000

Step into timeless elegance with this rare offering in the heart of St. Augustine’s coveted Abbott Tract. Circa 1900, this beautifully preserved and thoughtfully updated residence blends historic character with modern comforts, offering exceptional versatility and income potential. The property includes a 2-bedroom, 2-bathroom main home paired with a detached 1-bedroom, 1-bathroom guest suite—complete with a private entrance and kitchenette—ideal for hosting guests, multigenerational living, or generating short-term rental income. Inside the main home, rich hardwood floors and period details echo the charm of a bygone era, while the open-concept rear living space provides effortless flow for modern living. Both bedrooms are positioned at the front of the home, each with access to an en-suite bath—one of which conveniently serves guests from the hallway. The kitchen is a perfect blend of style and function, featuring stainless steel appliances, ample prep space, and a breakfast bar that invites casual dining and conversation. Glass sliders off the living room open to a screened-in porch overlooking a serene backyard retreat, complete with a private pool—ideal for unwinding under the Florida sun. The detached guest suite offers flexibility and privacy, featuring a full bedroom and bath, along with a kitchenette to accommodate long or short stays. An extended driveway allows for rare off-street parking for two or more vehicles—a highly sought-after amenity in the historic district. Perfectly situated, this residence is just blocks from St. Augustine’s most iconic landmarks, including the Castillo de San Marcos and the Mission Nombre de Dios. A short walk takes you to the waterfront at the end of Locust Street, where you can launch a kayak and explore the tranquil waters of Matanzas Bay. Zoned RS-2, the property also allows for weekly short-term rentals, further enhancing its value as both a personal retreat and a savvy investment. Offering historic charm, premium location, and modern livability, this is your opportunity to own a piece of St. Augustine’s enduring legacy—an exceptional lifestyle awaits.

Features

  • Bedrooms: 3
  • Baths: 3 full
  • Lot Size: 45X147X46X146
  • Style: Single Family Home
  • Year Built: 1900
  • Heating: Central,Electric
  • Cooling: Central,Electric
  • Approx Sq. Feet: 1,554
  • Acreage: 0.15
  • Lot Size: 45X147X46X146
  • Est. Taxes: $11,591
  • Lot Desc: City
  • Boat Access: No
  • Elem. School: Ketterlinus
  • Middle School: Sebastian
  • High School: St. Augustine
  • MLS#: 252760
  • Days on Market: 235 days
  • Website: https://www.raveis.com
    /eprop/252760/48osceolastreet_saintaugustine_fl?source=qrflyer
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Listing courtesy of Keller Williams St Augustine

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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48 Osceola Street, Saint Augustine, FL, 32084

$1,395,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,116,000 $1,116,000 $1,116,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.353% 6.121% 6.038%
Monthly Tax Payment $966 $966 $966
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,424 $6,691 $9,342
Total Monthly Payment $7,515 $7,782 $10,433

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first 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.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.