This home is in Madeira, St. Augustine.

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Active

Active·108 days on market·Madeira

177 Tesoro Terrace

St. Augustine, FL 32095

$949,900$357/sqftEst. $5,056/moMLS# 2137434

Beds

Baths

2,661

Sq Ft

2026

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$949,900

Down Payment: 20%

$189,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,828

Principal & Interest: $4,828

Est. Taxes & Insurance: $1,207

Estimated Total Monthly

$6,035

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$5,056

Property taxesest. at asking price, St. Johns County$1,264

HOAbilled quarterly$142

Estimated total, before insurance$6,462/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

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: ~$15,200/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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Mar 30, 2026Listed$949,900

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

Features

Price$949,900

Price / Sq Ft$357

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,661

Acres0.29 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address177 Tesoro Terrace, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,632.4 sq ft

Parcel Number0734330470

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewPond

Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Pantry, Primary Bathroom - Shower No Tub, 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