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·100 days on market·Madeira

51 Pantano Drive

St. Augustine, FL 32095

$1,074,900$325/sqftEst. $5,526/moMLS# 2146324

Beds

Baths

3,311

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

Discover this elegant 'Carson'' Southern Coastal new construction home by MasterCraft Builder Group, ideally situated in the gated community of Madeira, just minutes away from historic downtown St. Augustine. This thoughtfully designed single-story home features soaring 12' ceilings and transom windows throughout the main living areas, filling the open layout with natural light. Two flexible spaces--an open flex room off the foyer and a spacious rear den--offer ideal options for work, relaxation, or entertaining. RevWood flooring flows through the main living areas and the luxurious primary suite, adding warmth and continuity. The chef-inspired kitchen showcases double-stacked cabinetry with soft-close doors and drawers, a large island, 36'' five-burner gas cooktop, and built-in oven/microwave combination. Soak in the sunny Florida days on your oversized lanai with an exceptional pond view of Madeira's stunning flora and fauna.

Cost to own

Mortgage calculator

Home Price

$1,074,900

Down Payment: 20%

$214,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,526

Principal & Interest: $5,526

Property taxes (est.): $1,430

Insurance (est.): $717

Estimated Total Monthly

$7,673

*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$5,526

Property taxesest. at asking price, St. Johns County$1,430

HOAbilled quarterly$142

Estimated total, before insurance$7,098/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,160/yr · $680/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

2025 property taxes (current owner): $8,160/yr

Estimated taxes if purchased at asking price: ~$17,200/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, 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 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

Jul 24, 2026Price change$1,074,900−$71,000
May 21, 2026Listed$1,145,900

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

Features

Price$1,074,900

Price / Sq Ft$325

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,311

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address51 Pantano Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0734331720

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewPond

Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesElectric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

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