50 Charlotte St, Saint Augustine, FL, 32084 | $2,175,000

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.

Features

  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 1742
  • Year Built: 1900
  • Approx Sq. Feet: 2,000
  • Acreage: 0.04
  • Lot Size: 1742
  • Est. Taxes: $8,779
  • MLS#: 261691
  • Days on Market: 9 days
  • Website: https://www.raveis.com
    /prop/261691/50charlottest_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 St Augustine & St. Johns County Board of REALTORS. 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.

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Suzanne Walsh TeamSales Vice President

860.306.1927

Suzanne.Walsh@raveis.com

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Russell BaboffVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1014636

860.463.1745

Russell.Baboff@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

John KirkutisVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1424716

970.390.2521

John.Kirkutis@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Heidi SummaInsurance Sales Director, William Raveis Insurance

860.919.8074

Heidi.Summa@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

50 Charlotte St, Saint Augustine, FL, 32084

$2,175,000

Suzanne Walsh Team

Sales Vice President

William Raveis Real Estate

Phone: 860.306.1927

Suzanne.Walsh@raveis.com

Russell Baboff

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 860.463.1745

Russell.Baboff@raveis.com

NMLS Mortgage Loan Originator ID 1014636

John Kirkutis

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 970.390.2521

John.Kirkutis@raveis.com

NMLS Mortgage Loan Originator ID 1424716

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,740,000 $1,740,000 $1,740,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.251% 6.235% 6.183%
Monthly Tax Payment $732 $732 $732
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $10,154 $10,572 $14,683
Total Monthly Payment $11,011 $11,429 $15,540

* 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.