This home is in Madeira, St. Augustine.

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Pending

Pending·86 days on market·Madeira

163 Tesoro Terrace

St. Augustine, FL 32095

$757,138$302/sqftEst. $4,030/moMLS# 2141089

Beds

Baths

2,503

Sq Ft

2027

Built

Garage

Pool

About this home

Madeira

The Dostie Homes Calheta is an incredible single-story residence offering 2,503 sq. ft. of thoughtfully designed living space. This stylish home features 3 bedrooms and 3 full baths, plus 1half bath, providing ample comfort for family and guests alike. As you enter, you're greeted by a warm foyer that flows seamlessly into a versatile flex room--perfect as a home office or additional living space. The home is thoughtfully divided into private wings: 2 secondary bedrooms, each with its own full bath, are situated in separate sections of the house for privacy and convenience. The spacious gathering and dining areas are open-concept and positioned adjacent to the kitchen, all with beautiful views of the covered lanai--ideal for indoor-outdoor living. The luxurious master suite boasts an elegant ensuite bath and an expansive walk-in closet, creating a perfect retreat. At the rear of the home, a versatile ''comfort zone'' offers access to the grilling porch and can easily be transformed

Cost to own

Mortgage calculator

Home Price

$757,138

Down Payment: 20%

$151,428

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,848

Principal & Interest: $3,848

Est. Taxes & Insurance: $962

Estimated Total Monthly

$4,811

*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$4,030

Property taxesest. at asking price, St. Johns County$1,007

HOAbilled quarterly$142

Estimated total, before insurance$5,179/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: $1,004,500 in February 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: ~$12,100/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.

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 2027)

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.

Features

Price$757,138

Price / Sq Ft$302

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,503

Acres0.28 acres

Year Built2027

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Direction FacesSouthwest

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address163 Tesoro Terrace, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,196.8 sq ft

Parcel Number0734330460

ZoningResidential

Amenities

AmenitiesPool

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, HVAC, Insulation, Thermostat

ParkingAttached, Garage, Garage Door Opener, Off Street, On Street

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)