203 Tesoro Ter, Saint Augustine, FL, 32095 | $999,999

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 (cont. 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.

Features

  • Amenities: Clubhouse,Exercise,Gated,Community Pool Unheated
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 16988
  • Style: Craftsman
  • Year Built: 2024
  • Heating: Central,Electric
  • Cooling: Central
  • Approx Sq. Feet: 2,951
  • Acreage: 0.39
  • Lot Size: 16988
  • Est. Taxes: $18,372
  • HOA Fee: $426
  • Water Front: Yes
  • Boat Access: No
  • MLS#: 263308
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/263308/203tesoroter_saintaugustine_fl?source=qrflyer
Copyright © 2026  St Augustine & St. Johns County Board of REALTORS Realtor® MLS. All rights reserved
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of St Augustine & St. Johns County Board of REALTORS. The information being provided is 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.
Listing courtesy of DJ & Lindsey Real Estate

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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203 Tesoro Ter, Saint Augustine, FL, 32095

$999,999

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $799,999 $799,999 $799,999
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.275% 6.223% 6.183%
Monthly Tax Payment $1,531 $1,531 $1,531
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,669 $4,861 $6,751
Total Monthly Payment $6,292 $6,484 $8,374

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.