This home is in Madeira, St. Augustine.

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Pending

Pending·164 days on market·Madeira

370 Lamego Lane

St. Augustine, FL 32095

$549,900$267/sqftEst. $2,927/moMLS# 2128140

Beds

Baths

2,057

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

Beautiful 1-story home in the highly desired gated community of Madeira, just minutes to downtown historical St. Augustine. Built by award winner MasterCraft Builder Group, the ''Coquina'' floor plan features 3 bedrooms, 2 baths, a flex and a 2 car garage. Lots of luxury features come included in the home. - 10' ceilings, 6' windows, smooth walls, hardwood floors in the main areas; too many to count! The kitchen is defined with frameless ice cap perimeter cabinets with a agreeable gray island, soft close doors and drawers, a large single bowl stainless steel sink, quartz counters, and high end Electrolux appliances - built in microwave and oven, 36'' 5-burner gas cooktop, and stainless steel drum dishwasher. Home comes with a utility sink in the garage and Electrolux washer and dryer in the laundry room.

Cost to own

Mortgage calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,795

Principal & Interest: $2,795

Est. Taxes & Insurance: $699

Estimated Total Monthly

$3,494

*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$2,927

Property taxesest. at asking price, St. Johns County$732

HOAbilled quarterly$142

Estimated total, before insurance$3,801/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

Year	Market value	Taxable value	Change
2025	$125,000	$125,000	—

2025 property taxes (current owner): $4,625/yr

Estimated taxes if purchased at asking price: ~$8,800/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.

Features

Price$549,900

Price / Sq Ft$267

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,057

Acres0.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address370 Lamego Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size6,098.4 sq ft

Parcel Number0734320360

Amenities

AmenitiesPool, Clubhouse, Fitness Center

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesKitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesElectric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

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