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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$637,900

398 LAMEGO Lane, St. Augustine, FL 32095

Madeira

Price
$637,900
Beds / Baths
3 / 3
Living area
2,144 sqft
Year built
2026
Type
Residential
Lot
0.0454 ac
Garage
2
HOA
$142/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
83
Elementary
Ketterlinus
Middle
Sebastian
High school
St. Augustine

$298/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 45% above the area's closed prices. Condition and lot vary; that's what a showing is for.

This floorplan begins with a welcoming porch that opens into an entry leading to a versatile flex room. The home continues into an open-concept kitchen featuring a walk-in pantry, a 5-burner gas cooktop, a dining area surrounded by two walls of windows, and a family room with 11-foot ceilings sliding glass doors. This space flows seamlessly to a backyard extended covered lanai, perfect for outdoor living. The private primary suite is located at the rear of the home and features a bathroom with a glass-enclosed shower, double vanities, and a large walk-in closet. A nearby laundry room and drop zone provide added convenience for everyday living. Two secondary bedrooms share a full bathroom, offering comfort and functionality. This home also includes a two-car garage.

What to check on this one

  • Verify flood zone designation and elevation certificate requirement with seller.
  • Confirm CDD bond payoff amount and remaining assessment term with developer.
  • Review HOA covenants for rental restrictions if investment considered.
  • Obtain builder's structural warranty details and transferability terms.
  • Confirm all builder-grade appliances and finishes are as specified in contract.

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$3,310/mo
Property tax (1.1% eff., St. Johns Co.)$585/mo
Homeowners insurance (est.)$372/mo
HOA$142/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$4,576/mo

Loan $510,320 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 PERRY HOMES. Data via realMLS (Northeast Florida MLS), updated Aug 13, 2026, 12:00 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.