This home is in Madeira, St. Augustine.

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Active

Active·Listed today·Madeira

261 Lamego Lane

St. Augustine, FL 32095

$563,900$314/sqftEst. $2,875/moMLS# 2156798

Beds

Baths

1,796

Sq Ft

2025

Built

Garage

Pool

About this home

Madeira

This floorplan begins with a welcoming porch that leads into the entry and passes by the guest suite. The home features a central kitchen featuring a 5-burner gas cooktop, an island with built-in seating space, a walk-in pantry, and an adjacent dining area. The open family room boasts 11-foot ceilings and a wall of windows, seamlessly connecting to a covered lanai for outdoor living. The private primary suite is located at the rear and includes a bathroom with dual sinks, a glass-enclosed shower, and a large walk-in closet. A secondary bedroom is conveniently situated near a full bathroom, laundry room, and drop zone. This home also includes a two-car garage.

Cost to own

Mortgage calculator

Home Price

$563,900

Down Payment: 20%

$112,780

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,875

Principal & Interest: $2,875

Property taxes (est.): $750

Insurance (est.): $376

Estimated Total Monthly

$4,001

*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$2,875

Property taxesest. at asking price, St. Johns County$750

HOAbilled quarterly$142

Estimated total, before insurance$3,768/mo

Seller’s 2026 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

2026 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, NEFMLS.

History

Price & status history

Jul 23, 2026Listed$563,900

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

Features

Price$563,900

Price / Sq Ft$314

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,796

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

Direction FacesWest

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address261 Lamego Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0734321220

Amenities

AmenitiesPool, 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 Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne