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28 Joiner Street presents a rare opportunity to own an authentic Craftsman home in the heart of Uptown St. Augustine, where original 1900 character meets modern comfort and true in-town walkability. Offering three bedrooms, two bathrooms, fully furnished and 1, 378 square feet of well-arranged living space, this home showcases the craftsmanship that defines the neighborhood's most beloved residences: nine-foot ceilings, yellow pine floors, picture rail trim, eight-inch baseboards, and beautifully preserved period millwork throughout the main living areas. The welcoming covered front porch sets the tone from the moment you arrive, offering the classic St. Augustine ritual of morning coffee and evening conversation with neighbors. Inside, the updated kitchen and both renovated bathrooms deliver the convenience today's buyers expect while remaining true to the home's historic character. A dedicated laundry area and rear-entry mudroom add the kind of everyday functionality that's hard to find in homes of this era. Behind the scenes, the major systems have been thoughtfully updated, providing the confidence buyers seek in a historic property. The electrical was updated in 2017 and the plumbing in 2018, a new water heater was installed in 2025, and a durable metal roof was added in 2016, complementing the home's wood siding and classic Craftsman exterior. Set on a high and dry lot, the property offers welcome peace of mind — a genuine advantage in this part of historic St. Augustine. The location truly sets this property apart. From your front door, you're a short stroll to the downtown waterfront, the Castillo de San Marcos, and Uptown's locally owned restaurants, coffee shops, boutiques, and galleries. Whether you're searching for a primary residence, a second home, or a flexible property with short-term rental potential, 28 Joiner Street delivers genuine historic character, thoughtful updates, and one of the most walkable lifestyles in America's Oldest City.
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Our Executive Mortgage Banker:
Our Insurance Division:
$667,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
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 Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $533,600 | $533,600 | $533,600 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.375% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.524% | 6.776% | 6.078% |
| Monthly Tax Payment | $715 | $715 | $715 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,329 | $3,417 | $4,467 |
| Total Monthly Payment | $4,136 | $4,224 | $5,274 |
* 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.