This home is in Madeira, St. Augustine — a waterfront home in St. Johns County.
Pending·198 days on market·Madeira
177 Tesoro Terrace
St. Augustine, FL 32095
41 more homes for sale in Madeira →Search Madeira on the map
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About this home
Madeira
This stunning single-story home features the award-winning ''Mason'' floor plan by MasterCraft Builder Group and showcases 12' ceilings in the main living areas. Offering 4 bedrooms, 3 bathrooms, enclosed study/flex room, and a spacious 3-car garage, this home is located in the gated community of Madeira. The chef's kitchen showcases double-stacked cabinetry, quartz countertops, and Electrolux appliances, including a 36'' 5-burner gas cooktop, built-in oven and microwave, and French door refrigerator. The covered lanai overlooks peaceful water views and offers the perfect space for relaxing or entertaining, with ample room to add a pool. The luxurious primary suite features a large shower with dual shower heads and separate vanities. Revwood floors grace the main living areas and all bedrooms, providing a clean and modern look with outstanding durability. Estimated completion August 2026.
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
Last sold: $965,100 in August 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $250,000 | $250,000 | — |
| 2024 | $250,000 | $250,000 | — |
| 2023 | $135,000 | $135,000 | — |
2025 property taxes (current owner): $7,942/yr
Estimated taxes if purchased at asking price: ~$13,600/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
- Oct 12, 2026Pending$849,900
- Sep 3, 2026Price change$849,900−$50,000
- Jul 24, 2026Price change$899,900−$50,000
- Mar 30, 2026Listed$949,900
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 $330/sq ft; this home is listed at $319/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 |
| 491 Pantano Drive, St. Augustine, FL 32095Listed by PERRY HOMES | Sep 2026 | $1,099,900 | $348 | 3/2.5 | 3,164 | 149 | 0 |
| 249 Pasarela Drive, St. Augustine, FL 32095Listed by ROUND TABLE REALTY | Aug 2026 | $1,150,000 | $363 | 3/2.5 | 3,166 | 242 | 0.1 |
| 126 Pescado Drive, St. Augustine, FL 32095Listed by DAVIDSON REALTY, INC. | Aug 2026 | $520,000 | $245 | 3/2 | 2,126 | 76 | 0.3 |
| 50 Pescado Drive, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $720,000 | $330 | 2/2 | 2,182 | 35 | 0.3 |
| 443 Pescado Drive, St. Augustine, FL 32095Listed by MAXREV, LLC | Jun 2026 | $495,000 | $245 | 3/2 | 2,023 | 117 | 0.3 |
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
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
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Your Local Realtor
Krista Fracke
Broker Associate
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