This home is in Madeira, St. Augustine.

Active

Active·56 days on market·Madeira

173 Pantano Drive

St. Augustine, FL 32095

$1,371,900$373/sqftEst. $7,302/moMLS# 2146341

Beds

Baths

3,679

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

Discover the stunning ''Harper'' new construction POOL HOME by MasterCraft Builder Group, located just minutes from historic downtown St. Augustine in the gated community of Madeira. On the main level, this 2-story home offers a spacious owner's suite with large walk-in shower and freestanding tub, guest bedroom with full bath, versatile flex room/study, pool bath, and pocket office. Upstairs, find 2 additional bedrooms, 2 full baths, and a large bonus room. The gourmet kitchen impresses with Electrolux appliances, Cambria quartz countertops, soft-close dovetail drawers, double-stacked cabinets, and an oversized pantry with space for a second refrigerator. Revwood floors line the main floor, providing a clean and modern look with outstanding durability. Enjoy the Florida lifestyle from your covered lanai or taking a dip in your saltwater pool and hot tub with screen enclosure, all while overlooking the pond with serene views of nature's flora and fauna that Madeira is known for.

Cost to own

Mortgage calculator

Home Price

$1,371,900

Down Payment: 20%

$274,380

Interest Rate: 6.55%

Loan Term

Monthly Payment

$6,973

Principal & Interest: $6,973

Est. Taxes & Insurance: $1,743

Estimated Total Monthly

$8,717

*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$7,302

Property taxesest. at asking price, St. Johns County$1,826

HOAbilled quarterly$142

Estimated total, before insurance$9,269/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

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

Estimated taxes if purchased at asking price: ~$21,900/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.

Solar potential: ~1,831 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 21, 2026Listed$1,371,900

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

Features

Price$1,371,900

Price / Sq Ft$373

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,679

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address173 Pantano Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0734331800

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 Stories2

LevelsTwo

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

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)

Spa FeaturesIn Ground, Heated, Private