This home is in Madeira, St. Augustine.

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Active

Active·45 days on market·Madeira

398 Lamego Lane

St. Augustine, FL 32095

$637,900$298/sqftEst. $3,252/moMLS# 2149919

Beds

Baths

2,144

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

This floorplan begins with a welcoming porch that opens into an entry leading to a versatile flex room. The home continues into an open-concept kitchen featuring a walk-in pantry, a 5-burner gas cooktop, a dining area surrounded by two walls of windows, and a family room with 11-foot ceilings sliding glass doors. This space flows seamlessly to a backyard extended covered lanai, perfect for outdoor living. The private primary suite is located at the rear of the home and features a bathroom with a glass-enclosed shower, double vanities, and a large walk-in closet. A nearby laundry room and drop zone provide added convenience for everyday living. Two secondary bedrooms share a full bathroom, offering comfort and functionality. This home also includes a two-car garage.

Cost to own

Mortgage calculator

Home Price

$637,900

Down Payment: 20%

$127,580

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,252

Principal & Interest: $3,252

Property taxes (est.): $849

Insurance (est.): $425

Estimated Total Monthly

$4,527

*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$3,252

Property taxesest. at asking price, St. Johns County$849

HOAbilled quarterly$142

Estimated total, before insurance$4,243/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: ~$10,200/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: ~1,818 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

Jun 10, 2026Listed$637,900

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

Features

Price$637,900

Price / Sq Ft$298

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,144

Acres0.05 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

Direction FacesNortheast

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address398 Lamego Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size1,977.62 sq ft

Parcel Number0734320330

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached

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 Unit, Washer Hookup

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