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 pool home in St. Johns County.

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Active

Active·3 days on market·Madeira

170 Pasarela Drive

St. Augustine, FL 32095

$849,000$382/sqftEst. $4,378/moMLS# 2158591

Beds

Baths

2,225

Sq Ft

2023

Built

Garage

Yes

Pool

About this home

Madeira

Quality craftsmanship, luxury finishes, and incredible natural light define this meticulously maintained Dostie-built POOL home, situated on nearly half an acre with preserve views BEHIND & BESIDE the home! Located in the prestigious gated Madeira community, this home offers 3 spacious bedrooms PLUS a dedicated office, soaring ceilings, an open floor plan, and oversized windows that fill the home with NATURAL LIGHT. The gourmet kitchen features a gas cooktop, oversized island, and premium finishes. The spa-like primary suite includes custom closets and a luxurious bathroom with an oversized soaking tub. Outside, enjoy a private retreat with a heated saltwater pool and spa overlooking the preserve. A 3-car garage, no carpet, and upgrades throughout complete this fresh, move-in-ready home, just minutes from historic downtown St. Augustine, endless shopping and dining, and several beautiful beaches!

Cost to own

Mortgage calculator

Home Price

$849,000

Down Payment: 20%

$169,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,378

Principal & Interest: $4,378

Property taxes (est.): $1,130

Insurance (est.): $566

Estimated Total Monthly

$6,074

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$4,378

Property taxesest. at asking price, St. Johns County$1,130

HOAbilled quarterly$142

Estimated total, before insurance$5,650/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,195/yr · $1,266/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	$682,846	$608,318	—
2024	$640,466	$590,466	—
2023	$115,000	$115,000	—

2025 property taxes (current owner): $15,195/yr

Estimated taxes if purchased at asking price: ~$13,600/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 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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,769 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 August 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 5, 2026Listed$849,000

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

Features

Price$849,000

Price / Sq Ft$382

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,225

Acres0.42 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

Community Information

Address170 Pasarela Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size18,295.2 sq ft

Parcel Number0734330150

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path

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

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

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

AppliancesDishwasher, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories1

Spa FeaturesIn Ground, Heated, Private