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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Madeira, St. Augustine — a new construction home in St. Johns County.

Active

Active·90 days on market·Madeira

251 Lamego Lane

St. Augustine, FL 32095

$630,900$284/sqftEst. $3,495/moMLS# 2155002
↓ $95,000 below original list
3
Beds
3
Baths
2,220
Sq Ft
2026
Built
2
Garage
No
Pool

40 more homes for sale in Madeira →Search Madeira on the map

FEMA Zone AEHOA $142/moSingle Family Residence1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Madeira

This floorplan features a welcoming porch and an 11-foot ceiling at the entry. The layout connects the kitchen, which opens to the dining area and includes a 5-burner gas cooktop, a walk-in pantry, and an island with built-in seating space.The family room features a wall of windows and access to the backyard covered lanai. A flex room is positioned near the entry, offering a versatile space for a home office or hobby room. The private primary bedroom features an 11-foot ceiling and connects to a primary bath with a glass-enclosed shower, dual vanities, a large walk-in closet, and a linen closet. Two secondary bedrooms share a full bathroom. A utility room and drop zone provide convenient everyday organization. This home plan also includes a two-car garage.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,495
Property taxesest. at asking price, St. Johns County$840
HOAbilled quarterly$142
Estimated total, before insurance$4,476/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$630,900
$126,180
Loan Term
Monthly Payment
$3,495
Principal & Interest: $3,495
Property taxes (est.): $840
Insurance (est.): $421
Estimated Total Monthly
$4,755
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: ~1,832 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:24 AM, sunset 7:00 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Aug 20, 2026Price change$630,900−$95,000
  • Jul 11, 2026Listed$725,900

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

Features

Price$630,900
Price / Sq Ft$284
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,220
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
New ConstructionYes
Direction FacesWest

School Information

Community Information

Address251 Lamego Lane, St. Augustine, FL 32095
Area313-Whitecastle/Airport Area
SubdivisionMadeira
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0734321230

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, 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
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Patio / PorchCovered, Front Porch, Rear Porch

Additional Information

Date ListedJuly 11, 2026
Days on Market90
HOA Fees$426 / Quarterly
HOA FrequencyQuarterly
HOA NamePerry Website
HOA Fee IncludesCable TV, Internet
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: PERRY HOMES

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Madeira

Madeira is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Madeira homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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