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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$1,099,900

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

Madeira

Price
$1,099,900
Beds / Baths
3 / 3
Living area
3,164 sqft
Year built
2026
Type
Residential
Lot
0.28 ac
Garage
3
HOA
$142/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
149
Elementary
Ketterlinus
Middle
Sebastian
High school
St. Augustine

Discover this elegant ''Ella'' Southern Farmhouse new construction home by MasterCraft Builder Group, ideally situated in the gated community of Madeira, just minutes away from historic downtown St. Augustine. This single-story home offers an open concept main living area with elegant12' ceilings, tray accents throughout, TWO secondary living/flex spaces, and oversized laundry room. The gourmet kitchen shines with Electrolux appliances, Cambria quartz countertops, soft-close dovetail drawers, double-stacked upper cabinets, and an oversized pantry with space for a second fridge. All appliances are included, from fridge to washer/dryer. Revwood floors grace the main living areas and all bedrooms, providing a clean and modern look with outstanding durability. Enjoy the sunny Florida days on the oversized lanai or taking a dip in the pool / hot tub with screened enclosure, all while enjoying the pond view of the Madeira's stunning flora and fauna.

What to check on this one

  • Verify CDD bond payoff amount and remaining assessment term with developer.
  • Request HOA documents for Madeira gated community, including rental restrictions.
  • Confirm exact flood zone designation and obtain elevation certificate if required.
  • Review builder warranty coverage and transferability of appliance warranties.
  • Verify pool/hot tub maintenance responsibility splits between HOA and owner.

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$5,707/mo
Property tax (1.1% eff., St. Johns Co.)$1,008/mo
Homeowners insurance (est.)$642/mo
HOA$142/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$7,666/mo

Loan $879,920 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 20, 2026, 3:33 PM.

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.