78 PEARL STREET, ST AUGUSTINE, FL, 32084
Active9 days on marketListed Sep 11, 2026MLS #FC321386
About this home
78 PEARL STREET
Located in the heart of St. Augustine’s desirable West King District, 78 Pearl St is a beautifully crafted, low-maintenance 3 bedroom, 2 bathroom home offering 1,188 square feet of smartly designed living space. Built in 2016 on a corner lot, this move-in-ready residence offers an inviting space designed for comfortable everyday living just minutes from the water and downtown scene. Inside, the light-filled interior boasts an easy-flowing open floor plan finished with durable vinyl wood flooring and elegant crown molding throughout the main living areas. The bright, inviting kitchen comes equipped with mocha cabinetry, a convenient corner pantry, black appliances, and clear sightlines directly into the dining and living spaces, making it ideal for daily living and easy entertaining. The private primary suite serves as a comfortable retreat complete with abundant natural light and a spacious walk-in closet, while a dedicated laundry and mudroom area offers additional built-in storage shelving for daily convenience. Outdoors, the property features a low-maintenance yard, with a fully fenced area with room for a garden or fire pit setup, and dedicated off-street parking. Whether you’re taking a morning bike ride to Flagler College, strolling to historic local landmarks, catching the sunset over the river or spending an evening enjoying the thriving West King Street with its craft breweries, art galleries, and cozy cafes, everything that makes this community special is just minutes away.*Some photos have been virtually staged.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,188
Sqft
0.13 ac
Lot size
2016
Year built
One
Levels
$286
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.
$2,546 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,546/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−17.5%
$/sqft vs St Augustine actives
$286 vs $238
Days on market
9 vs 37 typical
Where $286/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 St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32084 — neighborhood snapshot
Population
36,998
Median age
43.9
Median income
$72,965
Median home value
$295,000
Avg household
2.43
Households w/ children
3,332
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 7% below the ST AUGUSTINE 32084 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 78 PEARL STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$205,000
683 W CATHEDRAL PLACE
2 bd · 2 ba · 1,185 sqft · $173/sqft · 55 DOM
Sold · Oct ’25$330,000
461 S WOODLAWN STREET
3 bd · 3 ba · 1,180 sqft · $280/sqft · 34 DOM
Sold · Dec ’25$330,000
441 S WOODLAWN STREET
3 bd · 3 ba · 1,180 sqft · $280/sqft · 69 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 78 PEARL STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 78 PEARL STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
78 PEARL STREET FAQs
What would the monthly payment be for 78 PEARL STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,546/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 78 PEARL STREET?+
The most recent tax bill on record (2025) was $2,806. 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 $340,000, this home is listed about 23% below the St Augustine median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 78 PEARL STREET?+
St. Augustine High School (high), First Coast Technical College (high), Sebastian Middle School (middle), Crookshank Elementary School (elementary), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KOKOMO REALTY LLC · Robert Cozzone. MLS #FC321386.
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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