
28 JOINER STREET, ST AUGUSTINE, FL, 32084
Active3 days on marketListed Jul 17, 2026MLS #FC320041
About this home
28 JOINER STREET
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 indoors 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.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,378
Sqft
0.09 ac
Lot size
1900
Year built
One
Levels
$484
Per sqft
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 — not generic estimates.
$4,754 /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
$4,754/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Augustine actives
$484 vs $240
Days on market
3 vs 39 typical
Where $484/sqft sits among the 181 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Historic District
Get to know St Augustine. See the full St Augustine guide →
Historic District — neighborhood snapshot
Population
2,533
Median age
39
Median income
$44,681
Median home value
$532,087
Avg household
2
Households w/ children
127
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)
76 of 181
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 97% 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 28 JOINER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$310,000
57 FULLERWOOD DRIVE
2 bd · 2 ba · 1,383 sqft · $224/sqft · 140 DOM
Sold · Apr ’26$495,000
32 JOHN STREET
3 bd · 2 ba · 1,362 sqft · $363/sqft · 20 DOM
Sold · Jun ’26$460,000
15 OAK STREET
3 bd · 2 ba · 1,524 sqft · $302/sqft · 0 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 28 JOINER STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 28 JOINER STREET — 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
28 JOINER STREET FAQs
What would the monthly payment be for 28 JOINER STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,754/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 28 JOINER STREET?+
The most recent tax bill on record (2025) was $8,932. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Augustine?+
At $667,000, this home is listed about 52% 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 28 JOINER STREET?+
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
Four things that matter here
01Positioned at the premium end
$667,000 runs 97% above the ST AUGUSTINE 32084 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Only 3 days on market in a St Augustine market that averages 39 — if it fits, move quickly.
04Strong 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS (ST. AUG) · Frank Perez-Andreu. MLS #FC320041.
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.
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