Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$939,000

181 LAMEGO Lane, St. Augustine, FL 32095

Madeira

Price
$939,000
Beds / Baths
4 / 4
Living area
2,925 sqft
Year built
2022
Type
Residential
Lot
0.27 ac
Garage
2
HOA
$142/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
261
Elementary
Ketterlinus
Middle
Sebastian
High school
St. Augustine

$321/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 56% above the area's closed prices. Condition and lot vary; that's what a showing is for.

LOWER APR OPPORTUNITY! Experience elevated Florida living in this beautifully appointed MasterCraft home in Madeira, one of St. Augustine's sought-after gated communities. Exceptional curb appeal begins with a paver driveway and professionally designed landscaping. Inside, this sophisticated 4-bedroom home, with the flexibility for a 5th bedroom, offers a thoughtfully designed split floor plan. The chef-inspired kitchen features stainless steel appliances, gas cooktop, double ovens, generous counter space, and two full-size refrigerators. Tray ceilings in the foyer and great room add architectural elegance to the bright, open living spaces. Outdoors, an expansive screened lanai with stone pavers, dedicated grilling area, and serene pond views creates a private retreat for entertaining or relaxing. Luxury, comfort, and timeless Florida living await in Madeira. Come experience it for yourself!

What to check on this one

  • Verify flood zone designation and elevation certificate requirement for waterfront location
  • Confirm CDD bond payoff amount and remaining assessment term
  • Review HOA documents for rental restrictions and transfer requirements
  • Inspect roof condition and obtain installer date to assess insurance eligibility
  • Request 4-point inspection and wind-mitigation report before underwriting

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$4,872/mo
Property tax (1.1% eff., St. Johns Co.)$861/mo
Homeowners insurance (est.)$548/mo
HOA$142/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$6,590/mo

Loan $751,200 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 16, 2026, 6:42 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.