This home is in Madeira, St. Augustine.

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Active

Active·76 days on market·Madeira

126 Pescado Drive

St. Augustine, FL 32095

$549,000$258/sqftEst. $2,922/moMLS# 2141131

Beds

Baths

2,126

Sq Ft

2020

Built

Garage

Pool

About this home

Madeira

Built in 2020, this single-story meticulously maintained beautiful home in Madeira offers 3 bedrooms, 2 baths, and a 2-car garage on a large preserve fenced lot that will fit a pool if desired. The open-concept layout features, abundant natural light, and tile flooring throughout main living area. The gourmet kitchen includes a gas range, Quartz counters, high-end appliances, and a large island for casual dining. The open floor plan is ideal for entertaining and everyday living. The primary suite is privately situated at the rear of the home. Storage is plentiful, and all major systems are just 6 years old, making this home truly turnkey. Madeira offers coastal living with a community clubhouse and pool, and a prime location only 10 minutes from downtown St. Augustine and the beach, with easy access to I-95, shopping, dining, and more!

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,791

Principal & Interest: $2,791

Est. Taxes & Insurance: $698

Estimated Total Monthly

$3,488

*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$2,922

Property taxesest. at asking price, St. Johns County$731

HOAbilled quarterly$142

Estimated total, before insurance$3,795/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

Year	Market value	Taxable value	Change
2025	$532,215	$222,287	—
2024	$503,639	$215,315	—
2023	$435,803	$207,587	—
2022	$368,802	$200,084	—
2021	$263,858	$192,800	—
2020	$76,000	$76,000	—

2025 property taxes (current owner): $7,053/yr

Estimated taxes if purchased at asking price: ~$8,800/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Shingle — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,787 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