# 654 Market St, Saint Augustine, FL 32095 > **TL;DR:** 3bd/5ba townhouse, $889,000 ($227/sqft), built 2014, 3,916 sqft. > A/C, 2-car garage. Est. $5,554/mo. Listed 8 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $889,000 | | Price/sqft | $227 | | Bedrooms | 3 | | Bathrooms | 3 full, 2 half | | Square Feet | 3,916 | | Year Built | 2014 | | Stories | 3 | | Garage | 2-car | | Property Type | Townhouse (Townhouse) | | Status | Active | | Days on Market | 8 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $4,495 | | Estimated Insurance | $259 | | HOA | $800 | | **Total** | **$5,554** | ## Key Amenities - A/C - 2-car garage ## Property Highlights - Built in 2014 - 3 stories ## Description ### Agent Description One Property. A World of Possibilities! Whether you envision living and working under one roof, enjoying your home while generating rental income, or creating a flexible retreat for family and guests, this unique property offers a world of possibilities. Live in the spacious townhome while operating your business or leasing the commercial space, and put the separate studio apartment to work as an additional income opportunity. Short-term rentals are permitted for either the townhome or studio apartment giving you even more flexibility. From the charming, shop-lined street, step off the brick-paved sidewalk through your private front entrance. Or arrive through your garage and enter from the rear through your own walled courtyard. The second floor is dedicated to comfortable everyday living, featuring beautiful engineered hardwood floors, a gas cooktop, a walk-in pantry and a built-in bar. Upstairs, two spacious primary suites offer private balconies, generous walk-in closets, and bathrooms with upgraded travertine tile and each has a shower and a garden tub. And there's a third-floor laundry for your convenience. Leave your car in the garage and enjoy the convenience of walking to the pool, tennis courts, golf course, fitness center, suana, pickleball courts, clubhouse, barber, salon, dog groomer, or even to your very own cafe tenant for coffee and fresh baked goods-all right outside your front door! Other quality features inlcude: light-filled end unit with additional west-facing windows, airy 10-foot ceilings, commercial-grade concrete and steel construction, fire sprinkler system for added safety, high elevation, most desirable flood zone and energy-efficient spray-foam attic insulation. Homeowners insurance is included in the HOA fee. Don't miss out on this unique and versatile opportunity! ## Location - **Address:** 654 Market St, Saint Augustine, FL 32095 - **County:** St. Johns - **Neighborhood:** Crosswinds at Palencia - **Coordinates:** 30.02529, -81.386619 - **Google Maps:** https://www.google.com/maps?q=30.02529,-81.386619 ## Listing Agent - **Name:** Jill Miles - **Brokerage:** Sunshine Realty & Appraisal Services, LLC - **Broker Phone:** (904) 471-9259 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/654-Market-St_St-Augustine_FL_32095_M91277-97537?f=listhub&s=SJCBORFL&m=264574&c=propsimple) ## Photos ![654 Market St - Photo 1](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f2445191904r.jpg) ![654 Market St - Photo 2](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f3362929000r.jpg) ![654 Market St - Photo 3](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f926049958r.jpg) ![654 Market St - Photo 4](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f2940513466r.jpg) ![654 Market St - 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Photo 75](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f1958791683r.jpg) ![654 Market St - Photo 76](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f3662644511r.jpg) ![654 Market St - Photo 77](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f3086892997r.jpg) ![654 Market St - Photo 78](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f394094863r.jpg) ![654 Market St - Photo 79](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f1487895494r.jpg) ![654 Market St - Photo 80](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f1723661249r.jpg) ![654 Market St - Photo 81](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f1472590692r.jpg) ![654 Market St - Photo 82](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f2295402710r.jpg) ![654 Market St - Photo 83](http://lh.rdcpix.com/f67c5e90444b2bf0d700226665d4abf2l-f425413593r.jpg) --- **MLS#:** 264574 | **Updated:** 2026-10-27 **Source:** listhub *Copyright © 2026 St. Augustine & St. John's County Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/654-market-st-saint-augustine-fl-32095-5245052a94ba46f1832dcf508b6498e5) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/654-market-st-saint-augustine-fl-32095-5245052a94ba46f1832dcf508b6498e5#listing", "url": "https://staging.propertysimple.ai/listing/654-market-st-saint-augustine-fl-32095-5245052a94ba46f1832dcf508b6498e5", "name": "654 Market St, Saint Augustine, FL 32095", "description": "One Property. A World of Possibilities! Whether you envision living and working under one roof, enjoying your home while generating rental income, or creating a flexible retreat for family and guests, this unique property offers a world of possibilities. Live in the spacious townhome while operating your business or leasing the commercial space, and put the separate studio apartment to work as an additional income opportunity. Short-term rentals are permitted for either the townhome or studio apartment giving you even more flexibility. From the charming, shop-lined street, step off the brick-paved sidewalk through your private front entrance. Or arrive through your garage and enter from the rear through your own walled courtyard. The second floor is dedicated to comfortable everyday living, featuring beautiful engineered hardwood floors, a gas cooktop, a walk-in pantry and a built-in bar. Upstairs, two spacious primary suites offer private balconies, generous walk-in closets, and bathrooms with upgraded travertine tile and each has a shower and a garden tub. And there's a third-floor laundry for your convenience. Leave your car in the garage and enjoy the convenience of walking to the pool, tennis courts, golf course, fitness center, suana, pickleball courts, clubhouse, barber, salon, dog groomer, or even to your very own cafe tenant for coffee and fresh baked goods-all right outside your front door! Other quality features inlcude: light-filled end unit with additional west-facing windows, airy 10-foot ceilings, commercial-grade concrete and steel construction, fire sprinkler system for added safety, high elevation, most desirable flood zone and energy-efficient spray-foam attic insulation. Homeowners insurance is included in the HOA fee. 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