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 gated community home in St. Johns County.

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Active

Active·15 days on market·Madeira

363 Lamego Lane

St. Augustine, FL 32095

$599,900$333/sqftEst. $3,116/moMLS# 2161945

Beds

Baths

1,799

Sq Ft

2026

Built

Garage

Pool

About this home

Madeira

New construction single-story home Mastercraft Builder Group in the desirable Madeira community of St. Augustine. This 1,799 sq. ft. Craftsman-style home offers 3 bedrooms, 3 full baths, and a spacious 2-car garage. Enjoy water views, low-maintenance living, and thoughtful upgrades including tray ceilings at the great room and primary bedroom, sliding glass doors to the lanai, and frameless glass showers at the primary bathroom and secondary bathroom. Inside, you'll find elegant oak colored Revwood flooring, double-stack cabinetry in the kitchen with soft-close and dovetail drawers, quartz countertops, designer lighting, and gourmet Electrolux appliances. The neutral palette sets a timeless tone, ready for your personal touch. Located minutes from downtown St. Augustine, beautiful beaches, and top-rated schools, this home combines quality craftsmanship, modern design, and everyday comfort.

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.76%

Loan Term

Monthly Payment

$3,116

Principal & Interest: $3,116

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,314

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$3,116

Property taxesest. at asking price, St. Johns County$798

HOAbilled quarterly$142

Estimated total, before insurance$4,057/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: ~1,839 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 August 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

Sep 3, 2026Price change$599,900−$25,000
Aug 26, 2026Listed$624,900

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

Features

Price$599,900

Price / Sq Ft$333

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,799

Acres0.28 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

Direction FacesSouth

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address363 Lamego Lane, St. Augustine, FL 32095

Area313-Whitecastle/Airport Area

SubdivisionMadeira

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,196.8 sq ft

Lot Dimensions60x120

Parcel Number0734321150

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, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDryer, Electric 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, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit