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 new construction home in St. Johns County.

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Active

Active·44 days on market·Madeira

369 Tesoro Terrace

St. Augustine, FL 32256

$864,281$316/sqftEst. $4,443/moMLS# 2155446

Beds

Baths

2,735

Sq Ft

2027

Built

2.5

Garage

Pool

About this home

Madeira

The Dostie Homes Grayling a superb single-story home offering 2,735 sqft of thoughtfully designed living space. Featuring 3 bedrooms, 3.5 baths. The inviting foyer welcomes guests into a spacious dining area & gourmet kitchen which includes a back kitchen/pantry, both overlooking the large gathering room & private lanai -- perfect for entertaining & outdoor relaxing. The luxurious primary suite is secluded in its own wing of the home, complete w/elegant ensuite bathroom & substantial walk-in closet. Two secondary bedrooms have their own private bathrooms, providing comfort & privacy.

Cost to own

Mortgage calculator

Home Price

$864,281

Down Payment: 20%

$172,856

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,443

Principal & Interest: $4,443

Property taxes (est.): $1,150

Insurance (est.): $576

Estimated Total Monthly

$6,170

*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$4,443

Property taxesest. at asking price, St. Johns County$1,150

HOAbilled quarterly$142

Estimated total, before insurance$5,735/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2027)

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

Solar potential: ~1,723 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

Jul 15, 2026Listed$864,281

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

Features

Price$864,281

Price / Sq Ft$316

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,735

Year Built2027

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages2.5

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouthwest

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address369 Tesoro Terrace, St. Augustine, FL 32256

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32256

Parcel Number73433-1870

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Not Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street, On Street

Interior

Interior FeaturesBuilt-in Features, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Tankless Water Heater

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

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

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