1 SOUTH STREET UNIT A & B, ST AUGUSTINE, FL, 32084
Active286 days on marketListed Oct 10, 2025MLS #FC313337
About this home
1 SOUTH STREET UNIT A & B
Welcome to Bonita Bay, downtown St. Augustine’s premier luxury waterfront community. Situated in the heart of historic downtown, Bonita Bay is the only gated luxury waterfront community in the area and this is your rare opportunity to own a .26-acre double lot, fully shovel-ready and primed for your custom home. This unique home site offers dual gated access with the ability to enjoy the security of the main community gate, plus the exclusivity of your own private gate, offering sole entry to the property. From your future home or the community marina, take in gorgeous Intracoastal views or enjoy some time on the water while utilizing your two deeded boat slips. Located at the corner of Marine and South Streets, you are walking distance to all downtown shops, dining, and historic attractions. Build the waterfront lifestyle you’ve always envisioned—right in the heart of one of Florida’s most charming and historic cities.
Facts & features
The home at a glance
0.26 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$12,056 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,056/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Old City
Get to know St Augustine. See the full St Augustine guide →
Old City — neighborhood snapshot
Population
680
Median age
69
Median income
$198,750
Median home value
$816,200
Avg household
2
Households w/ children
9%
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 426% above the ST AUGUSTINE 32084 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 1 SOUTH STREET UNIT A & B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$430,000
172 MARTIN LUTHER KING AVENUE
2 bd · 1 ba · 729 sqft · $590/sqft · 209 DOM
Sold · Feb ’26$360,000
15 DAVIS STREET
2 bd · 1.5 ba · 880 sqft · $409/sqft · 71 DOM
Sold · Feb ’26$412,300
72 LINCOLN STREET
2 bd · 1.5 ba · 1,029 sqft · $401/sqft · 155 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1 SOUTH STREET UNIT A & B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1 SOUTH STREET UNIT A & B — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1 SOUTH STREET UNIT A & B FAQs
What would the monthly payment be for 1 SOUTH STREET UNIT A & B?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,056/mo — principal and interest, the actual property-tax bill, the $1,056/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1 SOUTH STREET UNIT A & B?+
The association fee works out to $1,056 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1 SOUTH STREET UNIT A & B?+
The most recent tax bill on record (2024) was $8,892. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1 SOUTH STREET UNIT A & B?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $1,750,000, this home is listed about 298% above the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1 SOUTH STREET UNIT A & B?+
Mky- Head Start /Dpp Pk School (), Ketterlinus Elementary School (elementary), Sebastian Middle School (middle), St. Augustine High School (high), First Coast Technical College (high) — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,750,000 runs 426% above the ST AUGUSTINE 32084 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,056/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
286 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Mky- Head Start /Dpp Pk School, Ketterlinus Elementary School, Sebastian Middle School, St. Augustine High School, First Coast Technical College — Ketterlinus Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Nicholas Linser. MLS #FC313337.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New St Augustine homes, in your inbox
Like 1 SOUTH STREET UNIT A & B but not quite? A daily digest of every new listing in St Augustine — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →