Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Madeira, St. Augustine — a home near St. Augustine High School.

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Active

Active·21 days on market·Madeira

181 Lamego Lane

St. Augustine, FL 32095

$939,000$321/sqftEst. $4,827/moMLS# 2118724

Beds

Baths

2,925

Sq Ft

2022

Built

Garage

Pool

About this home

Madeira

LOWER APR OPPORTUNITY! Experience elevated Florida living in this beautifully appointed MasterCraft home in Madeira, one of St. Augustine's sought-after gated communities. Exceptional curb appeal begins with a paver driveway and professionally designed landscaping. Inside, this sophisticated 4-bedroom home, with the flexibility for a 5th bedroom, offers a thoughtfully designed split floor plan. The chef-inspired kitchen features stainless steel appliances, gas cooktop, double ovens, generous counter space, and two full-size refrigerators. Tray ceilings in the foyer and great room add architectural elegance to the bright, open living spaces. Outdoors, an expansive screened lanai with stone pavers, dedicated grilling area, and serene pond views creates a private retreat for entertaining or relaxing. Luxury, comfort, and timeless Florida living await in Madeira. Come experience it for yourself!

Cost to own

Mortgage calculator

Home Price

$939,000

Down Payment: 20%

$187,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,827

Principal & Interest: $4,827

Property taxes (est.): $1,250

Insurance (est.): $626

Estimated Total Monthly

$6,703

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$4,827

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

HOAbilled quarterly$142

Estimated total, before insurance$6,219/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,177/yr · $1,015/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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 (that applies to the reference bill above too).

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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

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)