This home is in Madeira, St. Augustine — a pool home in St. Johns County.
Active·1 day on market·Madeira
416 Pantano Drive
St. Augustine, FL 32095
41 more homes for sale in Madeira →Search Madeira on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Madeira
Waterfront living in Madeira at St. Augustine! This 4-bedroom, 3-bath home offers 3,215 sq ft with sweeping Intracoastal, river and marsh views. A dramatic open floor plan with vaulted ceilings connects the great room, dining area and kitchen featuring a large island with breakfast bar, gas range, pantry and abundant cabinetry. Step outside to a screened, heated in-ground pool, covered lanai and outdoor kitchen overlooking the water. Upstairs, a bonus room with electric fireplace opens to a covered balcony with panoramic water views, plus a dedicated office.
Next steps in Madeira
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: Tile — year not disclosed (home built 2025)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,734 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 October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mussallem Beachfront Park16 min drive · 48 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area11 min drive · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 2 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
Fort Mose Historic State Park – Kayak Launch Dockabout 0.9 mi · Robinson Creek - Tolomato River
Closest youth league fields
Ketterlinus Gym Community Center9 min drive · Basketball
Closest grocery store
Winn-Dixie4 min drive · 3551 N Ponce De Leon Blvd, St Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard and pool on the east side. Today at this address: sunrise 7:33 AM, sunset 6:46 PM.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $12,915/yr
Estimated taxes if purchased at asking price: ~$26,500/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
- Oct 23, 2026Listed$1,660,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $348/sq ft; this home is listed at $516/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 463 Pantano Drive, St. Augustine, FL 32095Listed by PERRY HOMES | Oct 2026 | $960,000 | $385 | 4/3 | 2,496 | 179 | 0.1 |
| 200 Tesoro Terrace, St. Augustine, FL 32095Listed by GPS REALTY LLC | Sep 2026 | $749,059 | $321 | 3/2.5 | 2,334 | 0 | 0.1 |
| 491 Pantano Drive, St. Augustine, FL 32095Listed by PERRY HOMES | Sep 2026 | $1,099,900 | $348 | 3/2.5 | 3,164 | 149 | 0.1 |
| 505 Pantano Drive, St. Augustine, FL 32095Listed by PERRY HOMES | Apr 2026 | $918,167 | $345 | 4/3 | 2,661 | 138 | 0.1 |
| 479 Pantano Drive, St. Augustine, FL 32095Listed by PERRY HOMES | Mar 2026 | $1,031,909 | $280 | 4/3.5 | 3,679 | 105 | 0.1 |
| 249 Pasarela Drive, St. Augustine, FL 32095Listed by ROUND TABLE REALTY | Aug 2026 | $1,150,000 | $363 | 3/2.5 | 3,166 | 242 | 0.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE NEWCOMER GROUP
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
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Your Local Realtor
Krista Fracke
Broker Associate
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