This home is in Madeira, St. Augustine.

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Active

Active·76 days on market·Madeira

497 Pescado Drive

St. Augustine, FL 32095

$755,000$303/sqftEst. $4,018/moMLS# 2143054

Beds

Baths

2,491

Sq Ft

2021

Built

Garage

Pool

About this home

Madeira

Welcome to 497 Pescado Drive in the prestigious Madeira community, minutes from shopping and the beach. Built in 2021, this stunning 4BR/3BA Riverside home offers nearly 2,500 sq. ft. of luxury - priced at $755,000, nearly $100k below the cost of similar new construction. Tour the large backyard where nature meets luxury, featuring an oversized screened lanai overlooking a peaceful conservation area. Inside, the open living area showcases a coffered ceiling, built-in sound system, and premium ceramic farmhouse plank flooring. The chef's kitchen boasts Bosch appliances, quartz countertops, and a large island. The layout includes a private office and a private rear guest suite, perfect for visitors. Additional highlights: 3-car garage, whole-home saltwater purification, and plantation shutters. Enjoy the community pool and fitness center today without the new-build wait. Incredible luxury and unmatched value in a premier St. Augustine location!

Cost to own

Mortgage calculator

Home Price

$755,000

Down Payment: 20%

$151,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,838

Principal & Interest: $3,838

Est. Taxes & Insurance: $959

Estimated Total Monthly

$4,797

*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$4,018

Property taxesest. at asking price, St. Johns County$1,005

HOAbilled quarterly$142

Estimated total, before insurance$5,165/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	$603,421	$502,342	—
2024	$629,237	$487,477	—
2023	$594,237	$471,822	—
2022	$506,623	$456,623	—
2021	$85,000	$85,000	—
2020	$76,000	$68,206	—

2025 property taxes (current owner): $12,789/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.

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 2021)

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

Solar potential: ~1,824 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

Price & status history

May 1, 2026Listed$755,000

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

Features

Price$755,000

Price / Sq Ft$303

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,491

Total Structure Area3,618 sq ft

Acres0.28 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address497 Pescado Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,196.8 sq ft

Parcel Number0734311710

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Cable TV, Clubhouse, Fitness Center, Gated, Park, Security

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Off Street

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Range, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

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

SecuritySecurity Gate, Smoke Detector(s)