This home is in Madeira, St. Augustine — a home near St. Augustine High School.
Active·1 day on market·Madeira
164 Pescado Drive
St. Augustine, FL 32095
About this home
Madeira
Welcome to 164 Pescado, a beautifully appointed home in the sought-after Madeira community of St. Augustine, just minutes from historic downtown and the scenic marsh. Thoughtfully designed with elevated finishes throughout, this home features LVP flooring throughout, stunning quartz countertops, an oversized kitchen sink, designer lighting, and a beautifully finished pantry with custom doors and shelving. A stylish butler's nook leads to the laundry room and provides additional storage and functionality. Step outside to the screened lanai, where charming designer touches create a peaceful outdoor sanctuary overlooking a private preserve backdrop. Perfectly blending style, comfort, and location, this home offers the relaxed St. Augustine lifestyle with nature at your doorstep and dining, shopping, and the charm of downtown just minutes away.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,759 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 September 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $12,630/yr
Estimated taxes if purchased at asking price: ~$12,000/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.
History
Price & status history
- Sep 21, 2026Listed$749,000
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
Listing Courtesy of: HERRON REAL ESTATE LLC · shannonlynmessina@gmail.com
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Madeira
Madeira is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Madeira homes for sale →Keep looking
More homes in Madeira
For Sale497 Pescado DriveSt. Augustine, FL 32095
4 bd · 3 ba · 2,491 sq ft
$749,000Est. $3,986/moWelcome to 497 Pescado Dr in Madeira, minutes from downtown, shopping & the beach. This bright 2021 4BR/3BA Riverside…
Listing Office: united real estate gallery
For Sale395 Pescado DriveSt. Augustine, FL 32095
3 bd · 2.5 ba · 2,493 sq ft
$750,000Est. $3,992/moSet behind the gates of Madeira, 395 Pescado Drive blends thoughtful design, privacy, and effortless single-story…
Listing Office: the newcomer group
For Sale481 Maralinda DriveSt. Augustine, FL 32095
3 bd · 2 ba · 2,057 sq ft
$755,900Est. $4,023/moThis floorplan opens from a welcoming porch into an entry that flows into a spacious kitchen with a 5-burner gas…
Listing Office: perry homes
Pending163 Tesoro TerraceSt. Augustine, FL 32095
3 bd · 3.5 ba · 2,503 sq ft
$757,138Est. $4,030/moThe Dostie Homes Calheta is an incredible single-story residence offering 2,503 sq. ft. of thoughtfully designed living…
Listing Office: gps realty llc
Keep looking
Similar homes in St. Augustine
Explore the area
More in Madeira
Madeira guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
Open Houses
9/26/2026
12:00 pm - 3:00 pm