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Two homes. One address. Unlimited flexibility in Uptown St. Augustine. 16 Locust Street, also known as ‘The Sisters Cottages’ is a rare Abbott Tract offering featuring two fully restored historic cottages, each with its own private space and income potential. Positioned in one of Uptown’s most sought-after pockets, this property offers a level of versatility that is exceptionally hard to replicate. Whether used as a primary residence with a private guest house, a multigenerational compound, or a fully optimized short-term rental asset, the layout allows for multiple paths to ownership without compromise. Each residence operates independently with its own entrance, courtyard, and dedicated parking, creating true separation and privacy. The location is a major part of the story. You are steps into the fabric of downtown St. Augustine, surrounded by established restaurants, coffee shops, galleries, and local retail, with seamless access to the Castillo, St. George Street, and the Bayfront. This is the walkable historic lifestyle buyers come here for, with the beach just a short drive away. The main cottage, dating back to 1844 and featured on the 1885 Birds Eye Map, has been restored with a level of detail and discipline rarely seen. Originally owned by the Triay and Capo families, the home underwent a full down-to-the-studs renovation in 2019 with all major systems replaced, including plumbing, electrical, mechanicals, roof, and windows. What sets it apart is the preservation. Original wavy glass remains intact. The entry hall wainscoting was uncovered and restored in place. The front porch ceiling features antique heart pine bead-board that took over a year to source and the trim was custom milled to exact period dimensions. The main home (Big Sister) offers three bedrooms and three bathrooms across 1, 410 square feet, including two en suite bedrooms, along with a private courtyard, dedicated parking, spray foam insulation, and a wind mitigation certificate. It is offered fully furnished and turnkey. The second cottage (Little Sister), built in 1920, sits above a two-car garage and functions as a completely independent residence. With one bedroom and one bathroom across 560 square feet, it features a private entrance, its own courtyard, separate electrical service, and additional parking. Like the main home, it has been fully rebuilt from the foundation up. Interior details include a rewired 1940s stove, original 1920s light fixtures, a soaking tub, mahogany closet doors, and imported hardware sourced from Italy, creating a space that feels curated rather than renovated. Fully restored, fully furnished, and located in one of the most tightly held areas of St. Augustine, 16 Locust Street represents a rare combination of historical significance, modern infrastructure, and income-producing flexibility. Opportunities like this are not easily recreated, and they do not come to market often.
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William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $940,000 | $940,000 | $940,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.375% | 6.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.399% | 6.499% | 6.309% |
| Monthly Tax Payment | $907 | $907 | $907 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $5,712 | $5,864 | $7,996 |
| Total Monthly Payment | $6,744 | $6,896 | $9,028 |
* 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.