19 LOVETT STREET, ST AUGUSTINE, FL, 32084
Active2 days on marketListed Sep 18, 2026MLS #FC321082
About this home
19 LOVETT STREET
Don’t miss this St Augustine Gem! A rare opportunity in sought-after historical area of St Augustine- Lincolnville—completely remodeled, featuring a private bonus/in-law suite, and just a short walk from the heart of historic downtown St Augustine! This inviting 3-bedroom, 2-bath home offers three generously sized bedrooms plus an exceptionally versatile bonus/in-law suite with a private bathroom, kitchenette, separate front and rear entrances, and a lockable connecting door to the main residence. It is perfect for guests, multigenerational living, a private home office or flexible rental use. Walk or bike downtown, or hop aboard St. Augustine’s iconic trolley at one of the nearby stops to enjoy the city’s restaurants, bars, shops, galleries and attractions. Immaculately maintained, freshly painted and completely move-in ready, the home also features a newer durable metal roof with plenty of useful life remaining, ample driveway parking, and a beautifully landscaped, fully fenced backyard with a fire pit—perfect for relaxing and entertaining. The property may also be purchased furnished, with all furnishings available separately, providing exciting turnkey possibilities as a primary residence, vacation retreat, or short- or long-term rental, subject to applicable approvals. Current county flood mapping shows the residence in X-Flood Zone, with only 7.8 of land intersecting Zone AE. The seller reports that the property has never flooded. Enjoy flexible living and income potential in one of St. Augustine’s most desirable historic neighborhoods!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,645
Sqft
0.1 ac
Lot size
1981
Year built
One
Levels
$437
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.
$5,066 /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
$5,066/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.
vs edgeAI estimate
+92.1%
$/sqft vs St Augustine actives
$437 vs $238
Days on market
2 vs 37 typical
Where $437/sqft sits among the 187 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 Lincolnville
Get to know St Augustine. See the full St Augustine guide →
Lincolnville — neighborhood snapshot
Population
1,664
Median age
36
Median income
$72,750
Median home value
$431,800
Avg household
2
Households w/ children
76%
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 → $390K
St Augustine median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
68 of 187
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 19 LOVETT STREET
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$599,900
210 FLAGLER BOULEVARD S
4 bd · 2 ba · 1,787 sqft · $336/sqft · 7 DOM
Sold · Aug ’26$655,000
28 JOINER STREET
3 bd · 2 ba · 1,378 sqft · $475/sqft · 3 DOM
Sold · Apr ’26$495,000
32 JOHN STREET
3 bd · 2 ba · 1,362 sqft · $363/sqft · 20 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 19 LOVETT STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19 LOVETT STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
19 LOVETT STREET FAQs
What would the monthly payment be for 19 LOVETT STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,066/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 19 LOVETT STREET?+
The most recent tax bill on record (2025) was $9,074. 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 19 LOVETT STREET?+
The listing reports pets: Yes. 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 $719,000, this home is listed about 64% above the St Augustine median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 19 LOVETT STREET?+
Ketterlinus Elementary School (elementary), Mky- Head Start /Dpp Pk School (), 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
Three things that matter here
01Positioned at the premium end
$719,000 runs 97% above the ST AUGUSTINE 32084 median.
02Fresh on the market
Only 2 days on market in a St Augustine market that averages 37 — if it fits, move quickly.
03Strong assigned schools
Ketterlinus Elementary School, Mky- Head Start /Dpp Pk 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 ASHLEY REAL ESTATE, INC · Dee Kitto. MLS #FC321082.
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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