172 MARTIN LUTHER KING AVENUE, Saint Augustine, FL, 32084 | $440,000

Under contract-accepting backup offers. Welcome to this beautifully renovated Lincolnville cottage, where historic charm meets modern peace of mind. This fully furnished 2-bed, 1-bath home has been thoughtfully updated and is ready to serve as a primary residence, vacation retreat, or income-generating short-term rental. The inviting covered front porch (with gutters) sets the stage for morning coffee or evening conversation while keeping deliveries dry. Step inside to an open, light-filled living space and a chef-inspired kitchen boasting quartz countertops, soft-close cabinetry, farmhouse sink, custom pantry, and stainless-steel appliances including a French-door refrigerator, Fisher Paykel dishwasher drawer, and air-fryer range. The split bedroom layout offers privacy, while the stylish bath features granite finishes, a custom glass barn-door shower, and preserved Carrara marble flooring. Recent upgrades provide comfort and confidence: a durable metal roof with more than 27 years of life remaining, 200-amp electrical panel (2021), HVAC (2016), full plumbing re-pipe, water heater (2021), and a newly built front porch with gutters. Inside and out, every major component has been cared for. The oversized one-car garage includes laundry, water softener, and room for storage or larger vehicles. A newly built 8x12 powered shed expands the possibilities, ideal as a home office, creative studio, or guest overflow. Entertain outdoors on the back deck overlooking the spacious fenced yard with fire-pit. Zoned RS-2, this home offers flexibility for its next owner. Beyond the property, you’re immersed in the best of St. Augustine—the nation’s oldest city. Walk to historic downtown shops, restaurants, and cultural sites, or enjoy nearby parks, trails, and the community recreation center with pool, playground, and ball fields. Freedom Park, just blocks away, offers 10+ acres of green space along the San Sebastian River with picnic areas and a meditation garden. From history and culture to convenience and modern updates, this Lincolnville gem captures it all. All information provided is deemed reliable but not guaranteed.

Features

  • Rooms: 6
  • Bedrooms: 2
  • Baths: 1 full
  • Laundry: In Garage
  • Year Built: 1956
  • Garage: 1-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 729
  • Acreage: 0.12
  • Est. Taxes: $6,223
  • Middle School: SEBASTIAN MIDDLE SCHOOL
  • High School: St. Augustine High School
  • Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer, Water Softener
  • MLS#: FC312840
  • Days on Market: 209 days
  • Website: https://www.raveis.com
    /prop/FC312840/172martinlutherkingavenue_saintaugustine_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). 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. (last updated 5/22/2026 1:35:22 AM)
Listing courtesy of Simply Real Estate   Phone: 386-677-0870

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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172 MARTIN LUTHER KING AVENUE, Saint Augustine, FL, 32084

$440,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $352,000 $352,000 $352,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $519 $519 $519
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,167 $2,254 $2,947
Total Monthly Payment $2,761 $2,848 $3,541

* 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.