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 new construction home in St. Johns County.

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Active

Active·124 days on market·Madeira

238 Pantano Drive

St. Augustine, FL 32095

$1,634,900$521/sqftEst. $8,405/moMLS# 2142474

Beds

Baths

3,139

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

To-be-built AR Homes Bella Vista in Madeira at St. Augustine. This thoughtfully designed home showcases elegant, open-concept living with the exceptional craftsmanship AR Homes is known for. The Bella Vista floor plan offers spacious living areas, a private owner's suite, and well-appointed secondary bedrooms--perfect for both everyday comfort and entertaining. Outdoor living features, including pool, screen enclosure, and outdoor kitchen, are not included. This allows buyers the flexibility to design and add outdoor living options to suit their personal preferences. Buyers will also have the opportunity to select colors and finishes and may customize this plan or choose an alternative floor plan from the AR Homes collection, creating a truly personalized home. Ideally located in the desirable Madeira at St. Augustine, close to historic downtown, beaches, shopping, and dining. Pricing and features subject to change based on final selections.

Cost to own

Mortgage calculator

Home Price

$1,634,900

Down Payment: 20%

$326,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$8,405

Principal & Interest: $8,405

Property taxes (est.): $2,176

Insurance (est.): $1,090

Estimated Total Monthly

$11,670

*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$8,405

Property taxesest. at asking price, St. Johns County$2,175

HOAbilled quarterly$142

Estimated total, before insurance$10,723/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.

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.

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 29, 2026Listed$1,634,900

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

Features

Price$1,634,900

Price / Sq Ft$521

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,139

Total Structure Area4,316 sq ft

Acres0.32 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionTo Be Built

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

Community Information

Address238 Pantano Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size13,939.2 sq ft

Parcel Number0734331510

Amenities

AmenitiesPool, Cable TV, Clubhouse, Fitness Center, Gated, Maintenance Grounds

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewCreek/Stream, Intracoastal

Waterfront TypeCreek, Intracoastal, Marsh

Interior

Interior FeaturesEntrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Heat Pump, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Wood

# of Stories1

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup