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.

Active

Active·46 days on market·Madeira

251 Lamego Lane

St. Augustine, FL 32095

$630,900$284/sqftEst. $3,240/moMLS# 2155002

Beds

Baths

2,220

Sq Ft

2026

Built

Garage

Pool

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

Mortgage calculator

Home Price

$630,900

Down Payment: 20%

$126,180

Interest Rate: 6.65%

Loan Term

Monthly Payment

$3,240

Principal & Interest: $3,240

Property taxes (est.): $840

Insurance (est.): $421

Estimated Total Monthly

$4,500

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$3,240

Property taxesest. at asking price, St. Johns County$840

HOAbilled quarterly$142

Estimated total, before insurance$4,222/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.

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.

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

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

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)