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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Madeira, St. Augustine — a home near St. Augustine High School.

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Sold

Sold·Closed Dec 29, 2025·177 days on market·Recent sales in Madeira·Madeira

46 Gabacho Court

St. Augustine, FL 32095

$535,000sold priceListed at $549,900 · 97.3% of asking$223/sqftMLS# 2092573
3
Beds
3
Baths
2,395
Sq Ft
2014
Built
3
Garage
No
Pool

41 more homes for sale in Madeira →Search Madeira on the map

HOA $142/mo0.56 acresWaterfrontSingle Family Residence2 stories

About this home

Madeira

Huge Price Improvement!! A must-see in the gated Madeira community, this beautifully maintained 3-bedroom, 3-bathroom solar-powered home offers 2,395 square feet of thoughtfully designed living space on a spacious .56-acre lot with preserve and pond views IN A CUL-DE-SAC! The main level features 10' ceilings, 8' doors, a gourmet kitchen with granite countertops, built-in oven and microwave, gas cooktop, mosaic tile backsplash, breakfast nook, dining room, office, and inviting living room. The owner's suite includes a tray ceiling, oversized walk-in shower, and generous walk-in closet. Two additional bedrooms and a full bath complete the main level, while the upstairs loft/flex space offers surround sound wiring and a third full bathroom—perfect for guests, game nights, or a media retreat. Outdoor living is elevated with a screened lanai and extended paver patio, outdoor kitchen area with natural gas

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,963
Property taxesest. at asking price, St. Johns County$712
HOAbilled quarterly$142
Estimated total, before insurance$3,817/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$535,000
$107,000
Loan Term
Monthly Payment
$2,963
Principal & Interest: $2,963
Property taxes (est.): $712
Insurance (est.): $357
Estimated Total Monthly
$4,032
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2014)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,831 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Sun & Light

Northeast-facing backyard — summer sunrises, all-day cool

The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
  • The coolest diagonal for a lanai; a pool here trades warmth for comfort.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Jun 11, 2025Listed$549,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $321/sq ft; this home is listed at $230/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
126 Pescado Drive, St. Augustine, FL 32095Listed by DAVIDSON REALTY, INC.Aug 2026$520,000$2453/22,126760.1
200 Tesoro Terrace, St. Augustine, FL 32095Listed by GPS REALTY LLCSep 2026$749,059$3213/2.52,33400.2
50 Pescado Drive, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$720,000$3302/22,182350.2
343 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMESSep 2026$733,958$3134/32,343370.6
383 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMESJun 2026$659,000$3333/21,9781280.6
370 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMESJun 2026$535,000$2603/22,0571190.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$549,900
Price / Sq Ft$230
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,395
Total Structure Area2,804 sq ft
Acres0.56 acres
Year Built2014
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
Direction FacesSouthwest

School Information

Community Information

Address46 Gabacho Court, St. Augustine, FL 32095
Area313-Whitecastle/Airport Area
SubdivisionMadeira
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size24,393.6 sq ft
Parcel Number0734311270
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated
Community FeaturesSidewalks, Gated
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener, Gated
ViewPond, Protected Preserve
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingHeat Pump
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LaundryLower Level

Exterior

Exterior FeaturesFire Pit
Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear
Patio / PorchScreened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedJune 11, 2025
Days on Market177
HOA Fees$426.44 / Quarterly
HOA FrequencyQuarterly
HOA NameMadeira at St. Augustine Master Owners Assn
HOA Fee IncludesCable TV, Internet
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX BLUE COAST

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Madeira

Madeira is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Madeira homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 29, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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