This home is in Madeira, St. Augustine.

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Active

Active·45 days on market·Madeira

271 Lamego Lane

St. Augustine, FL 32095

$703,900$356/sqftEst. $3,589/moMLS# 2149905

Beds

Baths

1,978

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

This one-story floorplan opens into an 11-foot ceiling entryway into a spacious family room with sliding glass doors that connects to the kitchen which features a walk-in pantry and a 5-burner gas cooktop. The home places the dining area at the back of the home beside the covered lanai, creating a natural extension for indoor-outdoor living. The private primary suite features an extended ceiling and a primary bathroom with a glass-enclosed shower, dual vanities, a freestanding tub, and a large walk-in closet. Two secondary bedrooms share a full bathroom near the front of the home. Laundry room and drop zone add everyday functionality. This home plan also includes a two-car garage.

Cost to own

Mortgage calculator

Home Price

$703,900

Down Payment: 20%

$140,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,589

Principal & Interest: $3,589

Property taxes (est.): $937

Insurance (est.): $469

Estimated Total Monthly

$4,995

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,589

Property taxesest. at asking price, St. Johns County$937

HOAbilled quarterly$142

Estimated total, before insurance$4,668/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: ~$11,200/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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,832 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

Jun 10, 2026Listed$703,900

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

Features

Price$703,900

Price / Sq Ft$356

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,978

Acres0.05 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

Direction FacesNortheast

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address271 Lamego Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size1,977.62 sq ft

Lot Dimensions50x120

Parcel Number0734321210

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewPond

Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, 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

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Carport, In Unit, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)