This home is in Madeira, St. Augustine.

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Active

Active·115 days on market·Madeira

380 Lamego Lane

St. Augustine, FL 32095

$599,900$333/sqftEst. $3,193/moMLS# 2136261

Beds

Baths

1,799

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

Beautiful one-story home in the highly sought-after gated community of Madeira, just minutes from historic downtown St. Augustine. Built by award-winning MasterCraft Builder Group, the popular ''Tocoi'' floor plan offers 3 bedrooms, 2 bathrooms, a versatile flex space, and a 2-car garage. The home showcases upscale finishes throughout, including 10' ceilings, 6' windows that bring in natural light, smooth wall finishes, and hardwood flooring in the main living areas. The kitchen features white double-stacked perimeter cabinetry paired with a contrasting island, soft-close doors and drawers, quartz countertops, and a large single-bowl stainless steel sink. Premium Electrolux appliances include a built-in microwave and oven, a 36'' five-burner gas cooktop, and a stainless steel drum dishwasher. Additional highlights include a utility sink in the garage and an Electrolux washer and dryer conveniently located in the laundry room. Estimated completion late July.

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,049

Principal & Interest: $3,049

Est. Taxes & Insurance: $762

Estimated Total Monthly

$3,812

*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$3,193

Property taxesest. at asking price, St. Johns County$798

HOAbilled quarterly$142

Estimated total, before insurance$4,133/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: ~$9,600/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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,818 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

Mar 23, 2026Listed$599,900

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

Features

Price$599,900

Price / Sq Ft$333

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,799

Acres0.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address380 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 Number0734320350

Amenities

AmenitiesPool, Clubhouse, Fitness Center

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, 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 Water Heater, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

SecuritySecurity System Owned