21 Water St, Saint Augustine, FL, 32084 | $4,800,000

Welcome to 'Miramar' – A Historic Coastal Masterpiece in Downtown St. Augustine. Imagine being transported back to the year 1905, stepping through the grand entrance of a residence where every detail has been meticulously curated. This is not just any home—it’s ‘Miramar, ’ a luxurious winter retreat, masterfully designed by the renowned architect Fred A. Henderich. Situated in the picturesque setting of Downtown St. Augustine, this 1. 73 acre estate offers sweeping views of the Atlantic Ocean, the tranquil bay, and the enduring fortifications of Castillo de San Marcos National Monument, exemplifying a harmony of coastal architectural brilliance and thoughtful historic design. Showcasing classic Frame Vernacular-style architecture, ‘Miramar’ retains its original character with broad verandas and charming diamond-paned upper sash windows. Inside, the entryway and living room feature elegant white oak floors, infusing warmth and sophistication into the inviting spaces. The living room, adorned with exquisite millwork, beadboard detailing, and a stately fireplace, offers a cozy, restful ambiance. Across the entry, the den captivates with hand-selected black cypress paneling, a half bathroom, and serene eastern views. A sun-drenched enclosed veranda provides breathtaking vistas of the pool, fort, Intracoastal, and ocean—an idyllic space for relaxation. Seamlessly connected to the kitchen, this versatile retreat offers endless opportunities for gathering and entertaining. The first floor includes a well-appointed laundry room, a storage room, and separate staircases providing access to both the basement and upper levels. The central staircase, gracefully ascending from the entryway, is highlighted by a broad landing and a double window overlooking the sea—an architectural detail that adds elegance and charm. The second floor offers four spacious bedrooms, including two with private en suite bathrooms and generous closets. Additionally, this level features two inviting sitting areas, abundant closet space, and a dedicated linen room. Every window frames restful, picturesque views, creating a serene retreat at every turn. Crowning the home, a spacious third-floor attic with vaulted ceilings spans nearly the entire second floor, offering sweeping views of the historic fort and Downtown St. Augustine—an inspiring canvas for a studio, library, or additional living space. The estate extends beyond the home, offering exceptional amenities that enhance its charm and versatility. A private boat ramp provides direct water access, with the opportunity to build a dock for added convenience. The basement offers ample storage space, while a large side yard creates the perfect setting for entertaining. Outdoor living is elevated with a waterfront pool, accompanied by a charming casita and bathroom. Additional accommodations include two carports and a separate apartment living space, ideal for guests or extended family. Adding to the home's distinctive character, a former elevator lift space presents exciting potential for restoration, blending modern luxury with timeless appeal. Set on a spacious corner lot, 'Miramar' combines privacy, elegance, and coastal charm—an extraordinary opportunity to own and restore a piece of St. Augustine's storied past with iconic views. This is more than a home—it’s a legacy. Experience its history, elegance, and breathtaking views firsthand.

Features

  • Bedrooms: 5
  • Baths: 3 full / 1 half
  • Lot Size: 75358
  • Style: Historic,Single Family Home
  • Year Built: 1905
  • Heating: Central,Electric
  • Cooling: Central,Electric
  • Approx Sq. Feet: 5,566
  • Acreage: 1.73
  • Lot Size: 75358
  • Est. Taxes: $12,256
  • Lot Desc: City,Intracoastal Front,Water Front,Direct Ocean View, Corner
  • Water Front: Yes
  • Boat Access: No
  • Elem. School: Ketterlinus Elementary
  • Middle School: Sebastian Middle
  • High School: St. Augustine High
  • MLS#: 250885
  • Days on Market: 62 days
  • Website: https://www.raveis.com
    /eprop/250885/21waterst_saintaugustine_fl?source=qrflyer
Copyright © 2025  St Augustine & St. Johns County Board of REALTORS Realtor® MLS. All rights reserved
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Listing courtesy of Berkshire Hathaway Homeservices Florida Network Realty

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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21 Water St, Saint Augustine, FL, 32084

$4,800,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $3,840,000 $3,840,000 $3,840,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 6.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.813% 6.739% 6.581%
Monthly Tax Payment $1,021 $1,021 $1,021
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $23,644 $24,588 $33,187
Total Monthly Payment $24,790 $25,734 $34,333

* 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.