This home is in Madeira, St. Augustine — a waterfront home in St. Johns County.
Pending·177 days on market·Madeira
163 Tesoro Terrace
St. Augustine, FL 32095
41 more homes for sale in Madeira →Search Madeira on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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
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.
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 homeThis 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.
Sun & Light
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:27 AM, sunset 6:55 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
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.
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 $302/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 491 Pantano Drive, St. Augustine, FL 32095Listed by PERRY HOMES | Sep 2026 | $1,099,900 | $348 | 3/2.5 | 3,164 | 149 | 0 |
| 200 Tesoro Terrace, St. Augustine, FL 32095Listed by GPS REALTY LLC | Sep 2026 | $749,059 | $321 | 3/2.5 | 2,334 | 0 | 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 | 0.1 |
| 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 |
| 343 Lamego Lane, St. Augustine, FL 32095Listed by PERRY HOMES | Sep 2026 | $733,958 | $313 | 4/3 | 2,343 | 37 | 0.6 |
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: GPS REALTY LLC
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 Sale481 Maralinda DriveSt. Augustine, FL 32095
3 bd · 2 ba · 2,057 sq ft
$755,900Est. $4,023/moThis floorplan opens from a welcoming porch into an entry that flows into a spacious kitchen with a 5-burner gas…
Listing Office: perry homes
For Sale395 Pescado DriveSt. Augustine, FL 32095
3 bd · 2.5 ba · 2,493 sq ft
$750,000Est. $3,992/moSet behind the gates of Madeira, 395 Pescado Drive blends thoughtful design, privacy, and effortless single-story…
Listing Office: the newcomer group
For Sale164 Pescado DriveSt. Augustine, FL 32095
3 bd · 3 ba · 2,565 sq ft
$749,000Est. $3,986/moWelcome to 164 Pescado, a beautifully appointed home in the sought-after Madeira community of St. Augustine, just…
Listing Office: herron real estate llc
For Sale497 Pescado DriveSt. Augustine, FL 32095
4 bd · 3 ba · 2,491 sq ft
$740,000Est. $3,939/moBring an offer in October! Seller willing to contribute up to $5,000 toward buyer closing costs, prepaids, or an…
Listing Office: united real estate gallery
Keep looking
Similar homes in St. Augustine
Explore the area
More in Madeira
Madeira guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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