Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$894,900

425 PANTANO Drive, St. Augustine, FL 32095, St. Augustine, FL 32095

Madeira

Price
$894,900
Beds / Baths
4 / 3
Living area
2,479 sqft
Year built
2026
Type
Residential
Lot
0.34 ac
Garage
3
HOA
$142/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
162
Elementary
Ketterlinus
Middle
Sebastian
High school
St. Augustine

$361/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 76% above the area's closed prices. Condition and lot vary; that's what a showing is for.

This stunning single-story home features the award-winning ''Lola'' floor plan by MasterCraft Builder Group and showcases 12' ceilings in the main living areas. Offering 4 bedrooms, 3 bathrooms, and a spacious 3-car garage, this home is located in the gated community of Madeira. The chef's kitchen showcases double-stacked cabinetry, quartz countertops, and Electrolux appliances, including a 36'' 5-burner gas cooktop, built-in oven and microwave, and French door refrigerator. A convenient pocket office is located between the kitchen and pantry. The large covered lanai overlooks peaceful water views and offers the perfect space for relaxing or entertaining, with ample room to add a pool. The luxurious primary suite features an oversized shower with dual shower heads and separate vanities. The oversized laundry room includes a washer and dryer and provides direct access to the primary walk-in closet for added convenience. Estimated completion July 2026.

What to check on this one

  • Confirm final completion date and walkthrough timeline with builder.
  • Obtain flood zone designation and elevation certificate before closing.
  • Verify CDD bond payoff amount and remaining assessment years.
  • Review Madeira gated community HOA docs, rental restrictions, and amenity rules.
  • Confirm builder warranty coverage terms and transferability to buyer.
  • Get homeowners insurance quote; verify flood/wind coverage available.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$4,643/mo
Property tax (1.1% eff., St. Johns Co.)$820/mo
Homeowners insurance (est.)$522/mo
HOA$142/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$6,294/mo

Loan $715,920 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of PERRY HOMES. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 6:46 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.