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 new construction home in St. Johns County.

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Active

Active·160 days on market·Madeira

380 Lamego Lane

St. Augustine, FL 32095

$564,900$314/sqftEst. $2,904/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

$564,900

Down Payment: 20%

$112,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,904

Principal & Interest: $2,904

Property taxes (est.): $752

Insurance (est.): $377

Estimated Total Monthly

$4,032

*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$2,904

Property taxesest. at asking price, St. Johns County$752

HOAbilled quarterly$142

Estimated total, before insurance$3,798/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,625/yr · $385/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

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: ~$9,000/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 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

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

Jul 24, 2026Price change$564,900−$35,000
Mar 23, 2026Listed$599,900

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

Features

Price$564,900

Price / Sq Ft$314

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,799

Total Structure Area1,799 sq ft

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