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This home is in Madeira, St. Augustine — a home near St. Augustine High School.

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Active

Active·121 days on market·Madeira

497 Pescado Drive

St. Augustine, FL 32095

$749,000$301/sqftEst. $3,851/moMLS# 2143054

Beds

Baths

2,491

Sq Ft

2021

Built

Garage

Pool

About this home

Madeira

Welcome to 497 Pescado Dr in Madeira, minutes from downtown, shopping & the beach. This bright 2021 4BR/3BA Riverside home offers nearly 2,500 sqft of luxury well below similar new construction costs. The private backyard backs to a quiet conservation area with mature trees, offering room for kids, pets, and outdoor dining. Enjoy coffee on the screened lanai. Inside, the open layout features a coffered ceiling, built-in sound and ceramic plank flooring. The chef's kitchen boasts Bosch appliances, a microwave drawer, quartz counters and a large island. A split floorplan provides a primary suite with bay windows, tray ceiling, dual walk-in closets, a soaking tub and walk-in shower. A rear guest suite has a private bath, while two more bedrooms share a full bath. Extra features: telescoping glass door, electric blinds, office, large dining room, 3-car garage, custom shutters, laundry room, saltwater purification, and termite bond. Madeira amenities include a pool, gym, and activities.

Cost to own

Mortgage calculator

Home Price

$749,000

Down Payment: 20%

$149,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,851

Principal & Interest: $3,851

Property taxes (est.): $997

Insurance (est.): $499

Estimated Total Monthly

$5,347

*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$3,851

Property taxesest. at asking price, St. Johns County$997

HOAbilled quarterly$142

Estimated total, before insurance$4,989/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,789/yr · $1,066/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 (that applies to the reference bill above too).

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: ~$12,000/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

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

Aug 28, 2026Price change$749,000−$6,000
May 1, 2026Listed$755,000

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

Features

Price$749,000

Price / Sq Ft$301

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)