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 Beachwalk, St. Johns — a waterfront home in St. Johns County.

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Active

Active·250 days on market·Beachwalk

560 Rum Runner Way

St. Johns, FL 32259

$749,900$300/sqftEst. $3,855/moMLS# 2122326

Beds

Baths

2,503

Sq Ft

2022

Built

Garage

Pool

About this home

Beachwalk

CDD BOND PD IN FULL. Home has whole house generator. Live the ultimate resort lifestyle in this coastal-inspired luxury home located in Beachwalk, home to the spectacular 14-acre Crystal Lagoon. Offering over $100,000 in upgrades, this exceptional home features a chef's kitchen w/ an expansive island, upgraded appliances, and an inviting eat-in area. Open-concept living showcases a spacious family room with an electric fireplace and custom shiplap surround, flowing seamlessly to a screened patio & fenced backyard. Entertain under the lighted pergola, unwind in the hot tub, and enjoy stunning landscape lighting. The 1st floor offers a private bedroom w/ full bath, while upstairs includes a generous loft, 3 additional bedrooms, and a luxurious owner's suite w/ large walk-in closet & screened balcony overlooking tranquil pond. The spa-inspired bath features an oversized shower & dual vanity. Elegant tile & wood flooring enhance the home throughout. Raised garden boxes for the gardener.

Cost to own

Mortgage calculator

Home Price

$749,900

Down Payment: 20%

$149,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,855

Principal & Interest: $3,855

Property taxes (est.): $998

Insurance (est.): $500

Estimated Total Monthly

$5,353

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,855

Property taxesest. at asking price, St. Johns County$998

HOAbilled monthly$390

Estimated total, before insurance$5,243/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

Last sold: $650,100 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$539,939	$392,174	—
2024	$561,382	$380,414	—
2023	$498,550	$498,550	—
2022	$134,400	$132,000	—
2021	$120,000	$120,000	—
2020	$110,000	$110,000	—

Estimated taxes if purchased at asking price: ~$12,000/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 (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: Metal — year not disclosed (home built 2022)

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

Solar potential: ~1,723 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

Price & status history

Dec 22, 2025Listed$749,900

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

Features

Price$749,900

Price / Sq Ft$300

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,503

Acres0.16 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StyleTraditional, Villa

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryLakeside Academy

MiddleLakeside Academy

HighBeachside

Community Information

Address560 Rum Runner Way, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size6,969.6 sq ft

Parcel Number0237170930

ZoningSingle Family

Amenities

AmenitiesBeach Access, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level

SecuritySecurity Gate, Smoke Detector(s)

Spa FeaturesAbove Ground