Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Madeira, St. Augustine — a gated community home in St. Johns County.

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Active

Active·130 days on market·Madeira

99 Amarante Lane

St. Augustine, FL 32095

$590,000$328/sqftEst. $3,033/moMLS# 2141367

Beds

Baths

1,797

Sq Ft

2023

Built

Garage

Pool

About this home

Madeira

Tucked inside the gated community of Madeira in St. Augustine, this light-filled Mastercraft custom home stands out the moment you walk in. Sunlight pours through the windows all day, giving every room an open, airy feel that's hard to find and even harder to forget. Thoughtfully upgraded beyond the standard build, this home offers custom touches that elevate both style and comfort--without sacrificing the clean, modern feel buyers are looking for. Step outside and you'll find one of the home's best features: peaceful pond views right in your backyard. It's the kind of setting that makes morning coffee better and evenings quieter. Madeira residents enjoy access to a private community pool, fitness center, and clubhouse--all within the security and privacy of a gated entrance. If you've been waiting for something that doesn't feel cookie-cutter, this is it.

Cost to own

Mortgage calculator

Home Price

$590,000

Down Payment: 20%

$118,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,033

Principal & Interest: $3,033

Property taxes (est.): $785

Insurance (est.): $393

Estimated Total Monthly

$4,212

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$3,033

Property taxesest. at asking price, St. Johns County$785

HOAbilled quarterly$142

Estimated total, before insurance$3,961/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, 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.

Cost to own

Taxes & assessment

Last sold: $613,900 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$482,144	$431,422	—
2024	$489,577	$439,577	—
2023	$80,000	$80,000	—
2022	$78,400	$66,000	—
2021	$60,000	$60,000	—

Estimated taxes if purchased at asking price: ~$9,400/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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,839 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

As 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.

History

Price & status history

Apr 22, 2026Listed$590,000

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

Features

Price$590,000

Price / Sq Ft$328

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,797

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address99 Amarante Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0734321270

Amenities

AmenitiesPool, Cable TV, Clubhouse, Fitness Center, Gated, Jogging Path

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

Water SourcePublic

Green / EnergyAppliances, HVAC, Water Heater

ParkingAttached, Garage, Garage Door Opener

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Freezer, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup