Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Madeira, St. Augustine — a gated community home in St. Johns County.

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Pending

Pending·158 days on market·Madeira

491 Pantano Drive

St. Augustine, FL 32095

$1,099,900$348/sqftEst. $5,655/moMLS# 2136490

Beds

Baths

3,164

Sq Ft

2026

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$1,099,900

Down Payment: 20%

$219,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,655

Principal & Interest: $5,655

Property taxes (est.): $1,464

Insurance (est.): $733

Estimated Total Monthly

$7,851

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$5,655

Property taxesest. at asking price, St. Johns County$1,464

HOAbilled quarterly$142

Estimated total, before insurance$7,260/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,160/yr · $680/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 (that applies to the reference bill above too).

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.

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 home

As 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.

History

Price & status history

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.

Features

Price$1,099,900

Price / Sq Ft$348

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage3,164

Acres0.28 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address491 Pantano Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,196.8 sq ft

Parcel Number0734330640

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesElectric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Water Heater, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

Spa FeaturesIn Ground