This home is in Madeira, St. Augustine — a gated community home in St. Johns County.
Active·44 days on market·Madeira
540 Pescado Drive
St. Augustine, FL 32095
About this home
Madeira
Experience the best of Florida living in this beautifully upgraded home in the highly sought-after Madeira community. Overlooking a serene lake, this residence showcases elegant crown molding in the common areas, a whole-home HEOS sound system, and a spacious three-car garage. Step outside to your private backyard retreat featuring a stunning deep saltwater pool with tanning shelf, installed in 2021, perfect for entertaining or relaxing year-round. Enjoy the added value of a paid-off CDD bond, with only the operations and maintenance portion remaining, resulting in lower CDD costs than many comparable homes. The thoughtfully designed floor plan is complemented by a chef's kitchen featuring premium Café appliances, including a six-burner gas range top and smart double wall ovens. Located within Madeira, residents enjoy resort-style amenities including a community clubhouse, pool, fitness center, playground, walking trails, green spaces, and a full calendar of neighborhood events.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $596,030 | $535,458 | — |
| 2024 | $623,639 | $519,660 | — |
| 2023 | $610,378 | $503,068 | — |
| 2022 | $484,533 | $434,533 | — |
| 2021 | $362,445 | $362,445 | — |
| 2020 | $334,810 | $334,810 | — |
2025 property taxes (current owner): $11,737/yr
Estimated taxes if purchased at asking price: ~$13,300/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 2019)
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 homeAs 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 21, 2026Price change$830,000−$19,000
- Jun 24, 2026Listed$849,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Madeira
Madeira is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Madeira homes for sale →Listing Courtesy of: COLDWELL BANKER PREMIER PROPERTIES
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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