This home is in Beachwalk, St. Johns.

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Active

Active·194 days on market·Beachwalk

140 Boracay Circle

St. Johns, FL 32259

$309,000$177/sqftEst. $1,576/moMLS# 2109471

Beds

Baths

1,750

Sq Ft

2021

Built

Garage

Pool

About this home

Beachwalk

Transferable Home Warranty Seller has had a Pre-listing Home Inspection done for buyers ease. Luxury living in a beautiful, sleek and modern townhome in the highly sought after community of Grand Isle at Beachwalk. Step inside to discover an open light filled living space perfect for entertaining with serene wooded views from your screened-in lanai. Enjoy cooking in this chef inspired kitchen with quartz countertops, custom tile backsplash and a spacious island. Upstairs you will find a generous master suit boasting a custom walk-in closet, along with 2 additional bedrooms and a laundry room. Beachwalk living is vacation living at its best! In this one of a kind golf cart friendly community you will find the 14 acre crystal lagoon that offers a sandy beach, waterslide, paddle boarding and kayaking along with a swim up bar. You will also find an on-site restaurant and bar, 18 hole putting green, pickle ball and tennis courts, fitness center and dog park.

Cost to own

Mortgage calculator

Home Price

$309,000

Down Payment: 20%

$61,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,576

Principal & Interest: $1,576

Property taxes (est.): $411

Insurance (est.): $206

Estimated Total Monthly

$2,193

*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$1,576

Property taxesest. at asking price, St. Johns County$411

HOAbilled monthly$335

Estimated total, before insurance$2,322/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$292,194	$292,194	—
2024	$294,684	$231,645	—
2023	$273,442	$223,442	—
2022	$273,258	$223,258	—
2021	$50,000	$50,000	—

Estimated taxes if purchased at asking price: ~$4,900/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2021)

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

Solar potential: ~1,738 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 July 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