203 TESORO TERRACE, ST AUGUSTINE, FL, 32095
Active2 days on marketListed Jul 17, 2026MLS #FC319942
About this home
203 TESORO TERRACE
Welcome to 203 Tesoro Terrace in the sought-after community of Madeira. This 4-bedroom, 3.5-bathroom home offers thoughtful upgrades throughout and a floor plan that's as functional as it is inviting. Located just 7 minutes from Historic Downtown St. Augustine and 10 minutes from Vilano Beach, you'll enjoy the convenience of being close to everything while still having the feel of a quiet neighborhood. The open floor plan is centered around a spacious kitchen featuring Electrolux appliances, a gas range, under-cabinet lighting, a large center island, a butler's pantry, and a separate walk-in pantry. Ten-foot ceilings, 8-foot doors, and a 12-foot sliding glass door create an open, airy feel and bring in plenty of natural light. The split-bedroom layout provides privacy, with the primary suite tucked away at the back of the home overlooking the pool and pond. The primary bathroom features dual vanities, a large walk-in shower, and an oversized walk-in closet. Plantation shutters throughout the home add a clean, timeless look, while practical features like two tankless water heaters, a whole-home water softener, and a versatile upstairs flex room give you plenty of options for a home office, media room, game room, or workout space. The backyard is where this home really shines. The screened lanai includes a motorized screen system and a fully equipped outdoor kitchen, making it easy to enjoy the space year-round. The pool overlooks the pond and is surrounded by an extended paver deck, upgraded landscaping, palm trees, and custom outdoor lighting. The fully fenced backyard offers plenty of space to enjoy, and the artesian well for irrigation helps keep the lawn looking great while saving money on water bills. Additional exterior upgrades include a sealed paver driveway, front porch and walkway, along with an oversized 3-car garage with bays large enough for full-size SUVs. Madeira offers residents a community pool, fitness center, and clubhouse, along with access to top-rated St. Johns County schools. If you've been looking for a home with quality finishes, a great outdoor living space, and a convenient St. Augustine location, 203 Tesoro Terrace is one you won't want to miss. All information pertaining to the property is deemed reliable, but not guaranteed. Information to be verified by the Buyer. Be advised that cameras may exist recording audio and video inside/outside the property, such as ring doorbells. Photos are digitally enhanced and could be altered, please verify.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,951
Sqft
0.39 ac
Lot size
3
Garage
2024
Year built
Two
Levels
$339
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$7,604 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,604/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Augustine actives
$339 vs $241
Days on market
2 vs 39 typical
Where $339/sqft sits among the 182 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32095 — neighborhood snapshot
Population
18,927
Median age
42.2
Median income
$124,556
Median home value
$485,700
Avg household
2.9
Households w/ children
2,464
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
76 of 182
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 239% above the ST AUGUSTINE 32095 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 203 TESORO TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$565,000
123 FRONTERA DRIVE
4 bd · 3 ba · 2,206 sqft · $256/sqft · 4 DOM
Sold · Apr ’26$390,000
478 S HORSESHOE ROAD
3 bd · 3 ba · 1,792 sqft · $218/sqft · 160 DOM
Sold · Jul ’26$245,900
4524 5TH AVENUE
3 bd · 2 ba · 1,568 sqft · $157/sqft · 113 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 203 TESORO TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 TESORO TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
203 TESORO TERRACE FAQs
What would the monthly payment be for 203 TESORO TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,604/mo — principal and interest, the actual property-tax bill, the $142/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 203 TESORO TERRACE?+
The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 203 TESORO TERRACE?+
The most recent tax bill on record (2025) was $18,372. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 203 TESORO TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $999,999, this home is listed about 127% above the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 203 TESORO TERRACE?+
Palencia Elementary School (elementary), First Coast Technical College (high), Allen D Nease Senior High School (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$999,999 runs 239% above the ST AUGUSTINE 32095 median — but at 2,951 sqft it's also nearly twice the size of the typical St Augustine listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 2 days on market in a St Augustine market that averages 39 — if it fits, move quickly.
04Strong assigned schools
Palencia Elementary School, First Coast Technical College, Allen D Nease Senior High School, Mky- Head Start /Dpp Pk School — Palencia Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DJ & LINDSEY REAL ESTATE · Lawrence Cipollone. MLS #FC319942.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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