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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Beachwalk, St. Johns — a gated community home in St. Johns County.

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Sold

Sold·Closed Oct 29, 2025·129 days on market·Recent sales in Beachwalk·Beachwalk

228 Rum Runner Way

St. Johns, FL 32259

$879,000sold priceListed at $899,000 · 97.8% of asking$285/sqftMLS# 2087355
4
Beds
3.5
Baths
3,083
Sq Ft
2020
Built
2
Garage
No
Pool

32 more homes for sale in Beachwalk →Search Beachwalk on the map

HOA $411/mo5,663 sqft lotWaterfrontTownhouse2 stories

About this home

Beachwalk

** CDD PAID OFF - $110,000 IN UPGRADES - WHOLE HOUSE GENERATOR - HUGE SPA LIKE PRIMARY BATH - REAL WOOD FLOORS THROUGHOUT - AUTOMATIC SCREENS- UPSTAIRS&DOWNSTAIRS - DOUBLE THERMADOR FRIDGE/FREEZER - FENCED BACK YARD - CUSTOM CLOSETS - UPGRADED LIGHTING THROUGHOUT - ELECTRIC FIREPLACE - WATER SOFTENER - EPOXY GARAGE FLOORS - CUSTOM LANDSCAPING - EXTENDED DRIVEWAY MUST SEE!!! Relaxation and Luxury Across from Your Private Beach Access Located in the highly sought-after Beachwalk community, this exquisite 4-bedroom, 3.5-bathroom, 3,083 sq. ft. retreat boasts $110,000 in upgrades and an array of high-end features that redefine comfortable living. As you approach, you'll be captivated by the lush landscaping and the tranquil setting overlooking a lake with a soothing fountain. Just steps away from your door lies your private beach access, offering an unbeatable location for the ultimate coastal lifestyle

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$4,869
Property taxesest. at asking price, St. Johns County$1,170
HOAbilled quarterly$411
Estimated total, before insurance$6,450/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,513/yr · $709/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$879,000
$175,800
Loan Term
Monthly Payment
$4,869
Principal & Interest: $4,869
Property taxes (est.): $1,170
Insurance (est.): $586
Estimated Total Monthly
$6,624
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Metal — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,779 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

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $8,513/yr

Estimated taxes if purchased at asking price: ~$14,000/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

  • May 13, 2025Listed$899,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $238/sq ft; this home is listed at $292/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
703 Rum Runner Way, St. Johns, FL 32259Listed by MOXII PRO REALTYAug 2026$599,900$1954/33,083470.1
662 Rum Runner Way, St. Johns, FL 32259Listed by WATSON REALTY CORPJul 2026$607,500$2383/3.52,557770.1
668 Rum Runner Way, St. Johns, FL 32259Listed by WATSON REALTY CORPJun 2026$510,000$2044/32,5031310.1
413 Marquesa Circle, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$900,000$3393/2.52,6571750.2
12140 Ashview Lane 11-76, Jacksonville, FL 32256Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$591,084$2393/3.52,47802.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$899,000
Price / Sq Ft$292
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,083
Total Structure Area4,356 sq ft
Acres0.13 acres
Year Built2020
TypeResidential
Sub-TypeTownhouse
StyleContemporary
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

Community Information

Address228 Rum Runner Way, St. Johns, FL 32259
Area301-Julington Creek/Switzerland
SubdivisionBeachwalk
CitySt. Johns
CountySt. Johns
StateFL
Zip Code32259
Lot Size5,662.8 sq ft
Parcel Number0237170630
ZoningSingle Family

Amenities

AmenitiesOther, Clubhouse, Dog Park, Fitness Center, Gated, Maintenance Grounds, Maintenance Structure, Management - Off Site, Playground
UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Other
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Water Heater, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup
SecurityCarbon Monoxide Detector(s), Fire Alarm, Firewall(s), Security Gate, Security System Owned, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony
Patio / PorchFront Porch, Patio, Porch, Screened
FencingBack Yard, Wrought Iron
RoofMetal
ConstructionConcrete
Road SurfacePaved
Road FrontagePrivate Road

Additional Information

Date ListedMay 13, 2025
Days on Market129
HOA Fees$1,234.27 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds, Maintenance Structure
Tax Amount$8,512.57
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Beachwalk

Beachwalk is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.

View all Beachwalk homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 29, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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