This home is in Madeira, St. Augustine — a gated community home in St. Johns County.
Sold·Closed Sep 3, 2026·149 days on market·Recent sales in Madeira·Madeira
491 Pantano Drive
St. Augustine, FL 32095
41 more homes for sale in Madeira →Search Madeira on the map
About this home
Madeira
Discover this elegant ''Ella'' Southern Farmhouse new construction home by MasterCraft Builder Group, ideally situated in the gated community of Madeira, just minutes away from historic downtown St. Augustine. This single-story home offers an open concept main living area with elegant12' ceilings, tray accents throughout, TWO secondary living/flex spaces, and oversized laundry room. The gourmet kitchen shines with Electrolux appliances, Cambria quartz countertops, soft-close dovetail drawers, double-stacked upper cabinets, and an oversized pantry with space for a second fridge. All appliances are included, from fridge to washer/dryer. Revwood floors grace the main living areas and all bedrooms, providing a clean and modern look with outstanding durability. Enjoy the sunny Florida days on the oversized lanai or taking a dip in the pool / hot tub with screened enclosure, all while enjoying the pond view of the Madeira's stunning flora and fauna.
Next steps in Madeira
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,723 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 homeAs of July 2026, 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $250,000 | $250,000 | — |
| 2024 | $250,000 | $214,500 | — |
| 2023 | $195,000 | $195,000 | — |
2025 property taxes (current owner): $8,160/yr
Estimated taxes if purchased at asking price: ~$17,600/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Sep 22, 2026Closed$1,099,900
- Aug 20, 2026Pending$1,099,900
- Jul 24, 2026Price change$1,099,900−$70,000
- Mar 24, 2026Listed$1,169,900
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 $348/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 200 Tesoro Terrace, St. Augustine, FL 32095Listed by GPS REALTY LLC | Sep 2026 | $749,059 | $321 | 3/2.5 | 2,334 | 0 | 0.1 |
| 95 Tesoro Terrace, St. Augustine, FL 32095Listed by KELLER WILLIAMS ST JOHNS | Dec 2025 | $1,100,000 | $398 | 4/3.5 | 2,762 | 25 | 0.1 |
| 249 Pasarela Drive, St. Augustine, FL 32095Listed by ROUND TABLE REALTY | Aug 2026 | $1,150,000 | $363 | 3/2.5 | 3,166 | 242 | 0.2 |
| 213 Pescado Drive, St. Augustine, FL 32095Listed by NON MLS (realMLS) | May 2026 | $710,000 | $296 | 4/3 | 2,399 | 0 | 0.2 |
| 46 Gabacho Court, St. Augustine, FL 32095Listed by RE/MAX BLUE COAST | Dec 2025 | $535,000 | $223 | 3/3 | 2,395 | 177 | 0.2 |
| 343 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMES | Sep 2026 | $733,958 | $313 | 4/3 | 2,343 | 37 | 0.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PERRY HOMES
Sold by: EXP REALTY LLC (buyer's brokerage)
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 →Keep looking
More homes in Madeira
For Sale1006 Pantano DriveSt. Augustine, FL 32095
4 bd · 3.5 ba · 2,987 sq ft
$1,049,000Est. $5,583/mo*Available Spring 2027* Toll Brothers has developed our most tranquil and natural piece of property to date in the…
Listing Office: jacksonville tbi realty, llc
Pending287 Pasarela DriveSt. Augustine, FL 32095
5 bd · 5.5 ba · 3,450 sq ft
$1,032,464Est. $5,495/moThe Dostie Avalon is a stunning single-story residence spanning 3,205 square feet, featuring 3 spacious bedrooms & 3.5…
Listing Office: gps realty llc
For Sale51 Pantano DriveSt. Augustine, FL 32095
4 bd · 3 ba · 3,311 sq ft
$1,024,900Est. $5,455/moDiscover this elegant 'Carson'' Southern Coastal new construction home by MasterCraft Builder Group, ideally situated…
Listing Office: perry homes
For Sale142 Pasarela DriveSt. Augustine, FL 32095
3 bd · 4.5 ba · 2,860 sq ft
$1,018,509Est. $5,421/moThe Dostie Olympic Coastal is a 2860 sq ft home on a 75 foot lot 1/3 acre marsh homesite. It has 3 bedrooms 4.5 baths…
Listing Office: gps realty llc
Keep looking
Similar homes in St. Augustine
Explore the area
More in Madeira
Madeira guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 3, 2026. 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines