This home is in Madeira, St. Augustine.

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Active

Active·238 days on market·Madeira

181 Lamego Lane

St. Augustine, FL 32095

$939,000$321/sqftEst. $4,998/moMLS# 2118724

Beds

Baths

2,925

Sq Ft

2022

Built

Garage

Pool

About this home

Madeira

Lower APR! Smart 2-1 Buydown: Save 2% Year One, Experience refined Florida living in this beautifully upgraded MasterCraft home located in the sought-after gated community of Madeira. From the moment you arrive, you'll notice the exceptional curb appeal with a paver driveway and lush, professionally designed landscaping. Inside, this spacious 4-bedroom home--with the option for a 5th bedroom--offers a versatile split-bedroom floor plan perfect for today's lifestyle. The chef-inspired kitchen is a true centerpiece, featuring stainless steel appliances, a gas cooktop, double ovens, abundant counter space, and two full-size refrigerators. The open-concept living area flows seamlessly beneath impressive tray ceilings in both the great room and foyer, filling the home with natural light and an inviting ambiance. Step outside to your private outdoor retreat, complete with an expansive screened lanai overlooking peaceful pond views, stone pavers, and a dedicated grilling space. Come see

Cost to own

Mortgage calculator

Home Price

$939,000

Down Payment: 20%

$187,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,773

Principal & Interest: $4,773

Est. Taxes & Insurance: $1,193

Estimated Total Monthly

$5,966

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$4,998

Property taxesest. at asking price, St. Johns County$1,249

HOAbilled quarterly$142

Estimated total, before insurance$6,389/mo

• 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $801,700 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$665,150	$614,428	—
2024	$677,322	$600,716	—
2023	$613,125	$563,125	—
2022	$78,400	$78,400	—
2021	$60,000	$60,000	—

2025 property taxes (current owner): $12,177/yr

Estimated taxes if purchased at asking price: ~$15,000/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 (2025), NEFMLS.

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: Shingle — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,838 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Nov 20, 2025Listed$939,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$939,000

Price / Sq Ft$321

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,925

Acres0.27 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address181 Lamego Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size11,761.2 sq ft

Parcel Number0734320900

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Management- On Site

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories2

SecurityEntry Phone/Intercom, Key Card Entry, Security Fence, Security Gate, Smoke Detector(s)