Living in History Fall Winter 20 : simplebooklet.com

WELCOME TO DOWNTOWN - LIVING IN HISTORY: HOLIDAY EDITIONDear Neighbors,As the holidays draw near, there’s an undeniable magic in the air here in Downtown St. Augustine. The cobblestone streets glow a little brighter, the ocean breeze carries a hint of pine, and the Nights of Lights remind us why we love calling this beautiful city home.For many of us, this is our favorite time of year—a season to celebrate the warmth of family and friends and the vibrant sense of community that makes St. Augustine so special. From the dazzling light displays to the lively festivals and cherished traditions, downtown comes alive in ways that truly embody the spirit of togetherness.As a family-owned boutique real estate brokerage, we see rsthand how solid partnerships and mutual support can transform a house into a home and a neighborhood into a thriving community. It’s the heart and soul of everything we do. Whether working with local businesses, lending a hand to a neighbor, or simply sharing a smile with someone on St. George Street, these connections are the foundation of our city’s charm.This holiday season, let’s take time to appreciate what makes St. Augustine unique—the people. At Great Expectations Realty, we take great pride in the quality of our professional family, from our real estate specialists to all our preferred vendors that we count on to make everything run smoothly. Whether you’re sipping cocoa under twinkling lights in the Plaza, exploring the festive artisan markets, or simply enjoying a walk along the bay front, let’s celebrate the moments that bring us together.From our family to yours, we wish you a joyous holiday season lled with laughter, love, and a touch of real estate magic. And please remember, whether you’re looking for your dream home or simply want to chat about the best holiday events, our door is always open—just like our hearts.Here’s to a season of lights, love, and community.Warm regards,Jena Dennis Broker & Proprietress Estate Publishing Corp.PublisherCharles ZitsmanInfo@EstatePublishing.org(904) 377-5725Associate PublisherJena DennisContent CoordinatorMeeka CookPhotographic ContributionsThe Real Estateographers 904-770-5262 TheRealEstateographers.comAny content, articles, advertising, or any other submitted materials are not necessarily endorsed by or represent the views of Great Expectations Realty or Estate Publishing and shall not be held responsible for the reliability, suitability or timeliness of any content submitted. All content is done so at the sole discretion of the submitting party. 7-1124© 2024 Estate Publishing. All Rights Reserved.Table of CONTENTS05Preferred exPerT Index06Is a fIxer-UPPer rIghT for YoU?09a UnIqUe fInd on The san sebasTIan rIver10Where Coffee MeeTs ConservaTIon12TWo exCITIng neW ConCePTs To doWnToWn sT. aUgUsTIne:14CharTIng a neW CoUrse16PIP’s Corner – sT. aUgUsTIne evenTs904-823-3456Great Expectations Realty4904-823-3456GErealty.US

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Preferred Expert IndexCategory Company Contact Phone WebsiteCommercial Photography The Real Estateographers Sco Golmic 904-770-5262 TheRealEstateographers.comCustom Home Builder G.J. Gardner Homes Erick Fundora 907-906-5139 GSGardner.comFlood, Mold, Fire, Bio Hazard PuroClean of Jacksonville Wayne Terry 904-573-3566 PuroCleanof Jax.comFlooring About Floors n' More Rick Costner 904-361-3508 AboutFloorsnMore.comFurniture Everything Cool Gloria Wood 904-342-5609 1CoolStore.comHeang and Cooling Aire Serv Meichelle Richards 904-687-9296 AireServ.comInsurance Services The Browning Agency Jim Browning 904-285-3430 BrowningAgency.comMortgage Lending First Coast Mortgage Funding Amanda Solari 904-607-7187 SolariTeam.comProperty Inspecons KC Inspecons Kyle Cali 904-404-9092 KCinspeconsFL.comPublic Adjusters Gold Star Adjustors Mark Goldwich 904-406-7232 GoldStarAdjusters.comPublishing & Prinng Estate Publishing Corp Charles Zitsman 904-377-5725 EstatePub.comReal Estate, Businesses & Aucons Great Expectaons Jena Dennis 904-823-3456 GErealty.usReal Estate Legal Services St. Johns Law Group Araan Burne 904-495-0400 SJLaw Group.comRestaurant Raintree Restaurant Lorna McDonald 904-824-7211 RainTreeRestaurant.comRoong Big A Roong Ausn Strickland 386-385-3985 BigARoong.conTitle Insurance Paradise Title Chrisna Guyee 904-471-2553 ParadiseTitleStAug.comTitle Service Land Title of America Steve Collins 904-797-9600 GoLandTitle.comWell, Sepc, Electric Services Flamingo Sepc & Ulies Heather Mullis 904-222-7465 CallFlamingo.com5904-823-3456GErealty.US

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Looking to buy a home but feeling like almost everything is out of reach? Here’s the thing. There’s still a way to become a homeowner, even when affordability seems like a huge roadblock – and it might be with a xer-upper. Let’s dive into why buying a xer-upper could be your ticket to homeownership and how you can make it work.WHAT IS A FIXER-UPPER?A xer-upper is a home that’s in livable condition but needs some work. The amount of work varies by home – some may need cosmetic updates like wallpaper removal and new ooring, while others might require more extensive repairs like replacing a roof or updating plumbing.Because they need some elbow grease, these homes typically have a lower price point based on local market value. In fact, a survey from StorageCafe explains that xer-uppers generally cost about 29% less than move-in-ready homes.And that’s why, according to a recent survey, more buyers are considering homes that need a little extra work right now (see below):Is a Fixer-Upper Right for You?Contributed by Great Expectations Realty6904-823-3456GErealty.US

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If you’re looking for an option to get your foot in the door and you’re willing to roll up your sleeves and do a bit of work, a house with untapped potential may be a good option.TIPS FOR BUYING A HOME THAT NEEDS SOME WORKBefore you buy a home that may need a makeover, here are a few things to keep in mind:• Choose a Good Location: You can repair a house, but you can’t change where it is. Make sure the home is in a neighborhood you like or one with increasing property values and a growing number of local amenities. This way, even after you spend money xing it up, the house will be worth more later.• Budget for Surprises: Fixing up a house can take more time and money than you might think. Make sure you save room in your budget for unexpected repairs or other unknowns that might come up while you’re working on the house.7904-823-3456GErealty.US

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• Get a Home Inspection: Before you buy, hire an inspector to check out the house. They’ll help you determine the necessary repairs so you don’t have expensive surprises later.• Plan Your Priorities: When deciding what to tackle rst, it helps to categorize your goals. Think of your home in three ways: the must-haves (essential repairs), the nice-to-haves (upgrades that would make life easier), and the dream-state features (luxuries you can add later). This will help you prioritize and stick to your budget.Remember, the perfect home is the one you perfect after buying it. By starting with a xer-upper, you can customize a home to your liking while saving money on the initial purchase price. With careful planning, budgeting, and a little bit of vision, you can turn a house that needs some love into your perfect home. Real estate agents are great at nding homes with potential. They know the local market and can guide you to homes where smart upgrades can add value. With their help, you’re more likely to nd a house that ts your total budget and has room for worthwhile improvements.BOTTOM LINEIn today’s market, where the cost of homeownership can be intimidating, nding a move-in-ready home that ts your budget can feel like a real challenge. But if you’re open to putting in a little work, you can transform a xer-upper into your ideal home over time. Let’s explore what’s possible and nd a place that’ll work for you.8904-823-3456GErealty.US

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A Unique Find on the San Sebastian River(As pictured on the front cover)Discover a rare investment gem in the heart of Downtown St. Augustine. This versatile property, zoned CM-2, offers both commercial potential and residential appeal, complete with prime waterfront access. The unique package includes two distinct units—residential and commercial—along with a shared dock featuring two dedicated boat slips on the San Sebastian River, presenting unmatched value for investors, business owners, and water enthusiasts alike.Unit A functions as a spacious rst-oor commercial ofce or retail space. It includes a kitchenette, a bathroom, and a private back deck. The front entryway could serve as a potential reception ofce, leading into an open workspace and an attached workshop with two sets of double doors for easy access. Additionally, a generous shared side yard with a deck is perfect for business gatherings or adding outdoor exibility, blending functionality with a welcoming ambiance.Unit D, the residential component, offers a charming upstairs two-bedroom, one-bathroom apartment with central A/C, custom maple cabinetry in the kitchen, and beautiful maple and tile ooring throughout. Front and rear balconies provide inviting spaces to relax and enjoy the views. This unit currently holds a lease, generating steady rental income.Both units benet from access to a shared dock, which extends to two private boat slips, each under a month-to-month lease and ripe with potential for expansion. The slips include water and electricity, and with riparian rights, the property appeals particularly to those seeking waterfront amenities and exclusive access.For exibility in purchase arrangements, the seller is open to various options, whether as a complete package including both units and boat slips or individually, with tailored options for each unit and boat slip. Pricing details are as follows:• Upstairs Residential with Boat Slips: $750,000.• Upstairs Residential without Slips: $525,000.• Downstairs Commercial with Boat Slips: $850,000.• Downstairs Commercial without Slips: $625,000.The entire building may potentially be available for interested parties; inquiries should be directed to the broker. This offering is ideal for those looking to own a piece of St. Augustine’s vibrant scene, with the unique blend of commercial and residential space in a sought-after waterfront location.9904-823-3456GErealty.US

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Great Expectations Realty is thrilled to announce our newest tenant, The Capybara Cafe, located at 105 S Ponce de Leon Blvd - Suite C. This unique venue offers an extraordinary experience where coffee meets conservation, inviting the community to connect with nature, support animal welfare, and relax with a snack while doing so—all in one unforgettable visit.About The Capybara Cafe and Noah’s Ark SanctuaryThe Capybara Cafe is a one-of-a-kind space where visitors can get up close and personal with Mocha and Latte, two friendly capybaras who have captured the hearts of everyone who meets them. Operated by Noah’s Ark Sanctuary, a respected animal rescue and rehabilitation nonprot based in Florida, The Capybara Encounter embodies the sanctuary’s mission of promoting conservation and animal welfare. This space allows guests to learn more about wildlife and actively participate in supporting the sanctuary’s vital work.Noah’s Ark Sanctuary is dedicated to rescuing, rehabilitating, and caring for native and exotic wildlife. By creating The Capybara Cafe, the sanctuary has extended its WHERE COFFEE MEETS CONSERVATION10904-823-3456GErealty.US

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efforts to educate the community about conservation and the importance of protecting animal habitats. Through the magic of Mocha and Latte, the refuge hopes to foster a love for animals and inspire more people to get involved in conservation initiatives.Support the Sanctuary with Donations and Enrichment ToysOne unique aspect of The Capybara Cafe is its invitation for visitors to support the sanctuary directly by bringing enrichment toys and essential supplies. These contributions help keep the animals entertained, engaged, and healthy, making each visit a rewarding experience for everyone involved. The Capybara Cafe accepts items like dog and cat chew toys or durable and safe baby toys. Guests can bring these donations during their encounter with the capybaras, knowing that they are directly contributing to the well-being of Mocha, Latte, and other animal friends at the sanctuary. This gesture enriches the animals’ lives and deepens the community’s connection with the sanctuary’s mission. In addition to enrichment toys, Noah’s Ark Sanctuary welcomes puppy and cat food donations to help support the animals in their care. Every food donation received at The Capybara Cafe is tax-deductible, ensuring that patrons’ generosity has a direct impact on the sanctuary’s work. Each donation provides the animals with essential nourishment, supporting the sanctuary’s efforts to care for Florida’s native and exotic wildlife.Join the Journey: Conservation, Community, and CoffeeThe Capybara Cafe is more than just a destination; it’s a journey of joy, learning, and community involvement. Guests are invited to enjoy some delicious beverages, choose from an array of prepackaged foods, make cherished memories with Mocha and Latte, and leave with a sense of making a difference. The Capybara Cafe and Noah’s Ark Sanctuary are devoted to creating a space where each encounter contributes to a larger purpose, supporting vital conservation efforts and fostering a deeper appreciation for wildlife.We at Great Expectations Realty are proud to welcome The Capybara Cafe as a tenant, and we look forward to seeing our community come together in this inspiring new space. Join us on this journey, and let’s make a difference, one sip, and one capybara cuddle at a time!Book your visit here: https://thecapybaracafe.com/11904-823-3456GErealty.US

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Great Expectations Realty is thrilled to announce two fantastic additions to the heart of downtown St. Augustine! We’re excited to have played a role in welcoming The Scarlett House and Bourbon Street Po’Boys & Bar, two innovative new concepts that bring fresh energy, delicious avors, and unique experiences to our historic city located at 66 & 70 Hypolita Street. Steven DeCosta and his family are the new operators of both new venues and also are owners of The Burger Barn Franchise with a location in Durbin, St. Johns.The Scarlett House: A Timeless Blend of Style, Hospitality & HistoryThe newest gem in St. Augustine’s Historic District, where history and avor unite in an unforgettable dining experience. This unique venue is set within a two-story, brown wood structure that merges two 1879 homes into one charming establishment. Carefully crafted to balance warmth and style, The Scarlett House provides a perfect setting for dining, socializing, and savoring the essence of St. Augustine.Our menu celebrates comfort classics with a touch of air. From juicy burgers and crispy fries to avorful wings, fresh sh, and shrimp, each dish is prepared carefully to ensure a delightful meal. To complete your experience, enjoy a drink from our full bar, which offers a wide selection of craft beers, wines, and creative cocktails.TWO EXCITING NEW CONCEPTS TO DOWNTOWN ST. AUGUSTINE:The sCarleTT hoUse and boUrbon sTreeT Po’boYs & bar12904-823-3456GErealty.US

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The historic character of our building, historically known as Scarlett O’Hara’s, is not just a backdrop; it’s a central part of The Scarlett House experience. The wide porch on the rst oor invites you to relax, sip your drink, and enjoy the view of St. Augustine’s charming streets. Inside, you’ll nd a blend of original architectural details and modern comforts, creating a vibrant yet cozy atmosphere that feels timeless and inviting.Bourbon Street Po’Boys & Bar: New Orleans Flavors Meet St. Augustine CharmJoining The Scarlett House in redening the downtown scene is Bourbon Street Po’Boys & Bar, a family-owned and operated, lively new venue where New Orleans-style dining meets local air. This restaurant and bar bring the spirit of the French Quarter to St. Augustine, serving up mouthwatering po’boys, traditional Cajun and Creole-inspired dishes, and an impressive array of signature cocktails, all designed to transport guests straight to the heart of Bourbon Street.With its festive vibe, rich avors, and dedication to authenticity, Bourbon Street Po’Boys & Bar is the perfect spot to enjoy a relaxed meal or a lively night out with friends. The menu showcases classic po’boys lled with everything from fried shrimp to roast beef, and dishes are crafted with the bold spices and avors that make New Orleans cuisine so beloved. The DeCostas y their dough in weekly from New Orleans for that authentic Po’Boy bread. Meanwhile, the bar offers a selection of specialty cocktails and spirits, inviting guests to enjoy a taste of the Big Easy in a way that only St. Augustine can deliver. They offer a live DJ on the weekends for the perfect dancing venue.Bringing Fresh Energy to Downtown St. AugustineAt Great Expectations Realty, we believe that vibrant, diverse businesses are essential to the growth and vitality of any community, and we are honored to have played a part in bringing these exciting new concepts to St. Augustine. The Scarlett House and Bourbon Street Po’Boys & Bar each bring something unique to the table, enhancing the city’s dining scene and offering exceptional experiences that locals and tourists alike will treasure.Whether you’re in the mood for an elegant night out at The Scarlett House or craving Bourbon Street’s lively energy and avors, these two establishments promise to offer memorable experiences that celebrate local charm and diverse inuences. We’re excited to see how these new additions enrich the St. Augustine community and become integral parts of downtown life.Stop by and discover the new pulse of downtown St. Augustine—where culinary excellence and a welcoming atmosphere await!13904-823-3456GErealty.US

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For Rachael Fearing and her husband, Pete, St. Augustine is more than just a place to live—it’s home in every sense of the word. Their journey to the oldest city in the United States started with a leap of faith and a sailboat.“We’ve been here since 2014, so it’s been 10 years now,” Rachael says. Rachael and Pete, high school acquaintances who reconnected years later, embarked on an adventure to leave behind the hustle and bustle of Washington, DC. Pete dreamed of buying a sailboat and exploring life on the water, and Rachael didn’t hesitate to jump on board.“We came down the Intracoastal Waterway from the Chesapeake Bay,” Rachael recalls. “We stopped in cities where we had connections. One of those was here, in St. Augustine. My friend’s mom invited us to lunch, and the moment we docked, I thought, “This is the most beautiful place I’ve ever seen. It felt like I was meant to be here.”The charm of St. Augustine wasn’t just in its scenic beauty. “The Nights of Lights, the historic architecture, the sense of magic—it all drew us in,” she says. “Pete prefers rural areas, and I’ve always loved cities. St. Augustine gave us the best of both worlds.”Building a Life in St. Augustine SouthThe couple eventually settled in St. Augustine South, which instantly felt right for them. “We wanted a place where we could keep a boat and have easy access to ramps,” Rachael explains. Back then, they owned a 30-foot sailboat they’d rebuilt together.“That boat was part of our story,” she says. “We eventually sold it to a friend, but Hurricane Matthew destroyed it, and we took it back. Afterward, pirates—yes, real ones—broke in and stole and destroyed it so completely that we sold it for parts and switched to a skiff, which now lives in our yard.”A Passion for Real EstateRachael’s journey from working as an insurance agent to real estate came CHARTING A NEW COURSE:A STORY OF LOVE, LIFE AND REAL ESTATE14904-823-3456GErealty.US

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later. “I’ve always loved talking to people,” she says. “But I realized I didn’t enjoy arguing with people about premiums. I wanted to sell something tangible, something people could feel and love. After Hurricane Matthew, Pete and I made a pact. Whoever passed their real estate exam rst would quit their job, and we’d start a business together.”Pete passed his exam rst, but life threw Rachael a series of challenges before she could follow. “After Hurricane Matthew, I had my daughter, Melanie, in 2019. Then, I lost my dad, my brother, and three dogs in a span of a few years. It was an incredibly difcult time.”Eventually, Rachael found her way back to her dream. “I decided it was time to try for my real estate license again, and this time, I passed on my rst try. After everything I’d been through, it felt like the perfect t for my next chapter.”Their journey hasn’t been without challenges, but mentors at Great Expectations Realty have helped Rachael grow quickly. “Steve, Beth, and Jenna have been incredible,” she says. “Their mentorship has been a game changer for me. Pete’s been through so much in real estate, from COVID to market uctuations, but having this support has also been invaluable.”Working alongside Pete has been rewarding and seamless. “We’ve been married for 10 years now, so we know each other’s strengths,” Rachael says. “We work separately when needed but come together for the big things, like listing a house.”The couple’s teamwork is a strong selling point. “Pete is methodical, an incredible negotiator, and has more experience. I’m more laid-back, but I bring a robust sales background to the table. Together, we cover every base.”Rachael describes their partnership using a shing analogy: “I love throwing the cast net and bringing in the sh, but I let Pete handle the details. He preps the hook, catches the big sh, and cleans it. Then I step in to cook it.”Their dedication goes beyond transactions. “Pete and I are not only a well-rounded team; we’re also deeply rooted in our community and want to make a positive impact. Their commitment to honesty and fairness is a value they hold dear. “Unlike DC, where you can remain faceless, you become a part of the community in St. Augustine. That’s something we take very seriously,” Rachael says.Selling the Magic of St. AugustineFor Rachael, selling St. Augustine is more than a job—it’s sharing a piece of herself. “This city has so much history, charm, and magic. I love sharing its stories and helping people nd their home here,” she says. “It’s honestly the easiest thing I’ve ever sold.”After a decade in St. Augustine, Rachael and Pete couldn’t imagine being elsewhere. “This is home,” Rachael says. “We’ve built our life here, and there’s no place we’d rather be.”15904-823-3456GErealty.US

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PIP’S CORNER – ST. AUGUSTINE EVENTSFantastic Florida Art Exhibit• Location: St. Augustine Art Association, 22 Marine St., St. Augustine, FL• Dates: Nov 1-Dec 29; Tue-Sun, 12-4 PM. Free.• Description:This vivid display explores a wide range of artistic interpretations and scenes of Florida, from the plants and animals to the wilderness and waterways to the people and places. Cafe Eleven Concerts• Location: 501 A1A Beach Blvd., St. Augustine Beach, FL• Description: Intimate venue featuring a diverse lineup of performers.• Lineup:o Dec 8: Ain’t Sisterso Dec 9: Mean Maryo Dec 11: Swamp Cabbageo Dec 12: Will Evanso Dec 14: Ultimate Floyd – Tribute to Pink Floydo Dec 17: The Steepwater Bando Dec 21: Selwyn Birchwoodo Dec 28: Broken Hearts – Tribute to Tom PettyTickets: originalcafe11.comXimenez-Fatio House Nights of Lights Holiday Tour• Dates: Now thru Jan 18; Mon-Sat, 10 AM-5 PM. Free concerts every Saturday at 2 PM.• Location: 20 Aviles Street, St. Augustine, FL• Description: Celebrate 100 years with themed holiday decor in this historic house.View artist decorated 13 replace mantelpieces in the circa 1798 Ximenez-Fatio House Museum, 20 Aviles Street, in historic St. Augustine, Florida. Tickets:ximenezfatiohouse.org16904-823-3456GErealty.US

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Nights of Lights• Dates: Now thru Jan 26. Free. Nightly light display.• Description:Nights of Lights has been listed among the top ten holiday light displays in the world by National Geographic, During this festival of lights, downtown St. Augustine glows with holiday magic – from the ground to the rooftops. St. Augustine’s Nights of Lights features millions of tiny white lights that create a magical atmosphere in the Nation’s Oldest City.Details:nightsoights.comOld Town Trolley’s Nights of Lights Tour• Dates: Now thru Jan 26• Description: A trolley tour through St. Augustine’s famous light displays, complete with 3D glasses.Tickets:www.trolleytours.com/st-augustine/nights-of-lightsSt. Augustine Experiences – History Under the Lights Walking Tour• Dates: Now thru Jan 26, 6 PM.• Description: Explore over four centuries of history illuminated by the Nights of Lights by joining professional guides and experiencing one of the best holiday light shows in the world.Tickets:staugustineexperiences.comSt. Augustine Bed and Breakfast Holiday Tour• Date: Dec 15, 1-4 PM.• Description: Tour historic inns decked out for the holidays, featuring unique decorations and festive spirit.Innkeepers have decked the halls with décor both traditional and unique, and each inn will share several rooms with tour-goers, giving participants the perfect opportunity to get into the spirit. Details:staugustineinns.com17904-823-3456GErealty.US

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EMMA Concert Association 46th Season• Dates:o Dec 17: Gainesville Orchestra Holiday Pops, 7:30 PMo Jan 19: Czech Philharmonic, 2 PMo Mar 8: Swan Lake by Dance Alive National Balleto Apr 26: Ocala Symphony Orchestra• Description:Live music, orchestras, quartets, quintets and symphony performances held in Lewis Auditorium at Flagler College Season of music.Tickets:emmaconcerts.comSt. Augustine’s Original Nutcracker Ballet• Dates: Dec 20-22• Location: Lewis Auditorium, Flagler College, 14 Granada St., St. Augustine, FL• Description:The Sugar Plum Fairy, Clara, the Mouse King, and all the favorite Nutcracker characters will return to the St. Augustine stage this holiday season. Saint Augustine Ballet presents the 15th Annual Nutcracker — a timeless classic featuring professional ballet dancers and dance students from St. Augustine and surrounding areas. Tickets:saintaugustineballet.orgHistoric House ToursVarious locations and times in St. Augustine, offering tours seven days a week. Explore historic houses such as the Ximenez-Fatio House Museum, and the Oldest House Museum Complex, and more.• Ximenez-Fatio House Museum, circa 1798, located at 20 Aviles Street – Monday-Saturday from 10 a.m. to 5 p.m.• Oldest House Museum Complex, featuring Florida’s oldest house circa 1702 and other historic houses, museum and grounds, 14 St. Francis Street – seven days a week from 10 a.m. to 5 p.m.• 1876 Keepers’ House at the St. Augustine Lighthouse & Maritime Museum – seven days a week from 9 a.m. to 6 p.m.• Peña-Peck House, circa 1750, is open for Tours by donation Wednesday through Saturday at 12, 1, 2, and 3 p.m.• Villa Zorayda Museum, circa 1883, located at 83 King Street – Monday-Saturday from 10 a.m. to 5 p.m. and Sunday from 11 a.m. to 3:30 p.m.• Governor’s House, 48 King Street, has been home to government ofces since 1598. It offers free self-guided tours seven days a week from 10 a.m. to 5 p.m.• Oldest Wooden School House, circa late 1700s – open seven days a week, Sunday-Thursday from 10 a.m. to 6 p.m.; Friday & Saturday from 10 a.m. to 8 p.m.18904-823-3456GErealty.US

Living in History Fall Winter 20

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