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·1 day on market·Madeira

415 Portada Drive

St. Augustine, FL 32095

$550,000$271/sqftEst. $2,825/moMLS# 2161124

Beds

Baths

2,027

Sq Ft

2020

Built

Garage

Pool

About this home

Madeira

Finding 4 bedrooms and 3 full bathrooms at this price point is a rare opportunity! This beautifully maintained home offers a spacious open-concept floor plan that's perfect for entertaining and everyday living. From the moment you step inside, you'll appreciate the many designer touches and the newer high-end luxury vinyl plank flooring that flows seamlessly throughout the entire home. Every detail reflects pride of ownership, with immaculate maintenance that makes this home truly move-in ready. Step outside to enjoy Florida living at its best with a preserve lot, screened lanai overlooking an extended paver patio--ideal for outdoor dining, relaxing, or hosting friends and family. The newly installed fence provides added privacy and plenty of space for pets or play. Tucked away on a quiet cul-de-sac in a gated community this home offers peace while only minutes to downtown St Augustine. Spend your weekends taking a short bike ride to the vibrant shops and restaurants and waterfront

Cost to own

Mortgage calculator

Home Price

$550,000

Down Payment: 20%

$110,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,825

Principal & Interest: $2,825

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,923

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,825

Property taxesest. at asking price, St. Johns County$732

HOAbilled quarterly$142

Estimated total, before insurance$3,699/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,041/yr · $920/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $11,041/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2020)

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

Solar potential: ~1,820 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

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 20, 2026Listed$550,000

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

Features

Price$550,000

Price / Sq Ft$271

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.20 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address415 Portada Drive, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size8,712 sq ft

Parcel Number0734310340

Amenities

AmenitiesPool, Cable TV, Clubhouse, Fitness Center, Gated, Management - Part Time, Park

UtilitiesCable Available, Electricity Available, Natural Gas Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySecurity Gate