This home is in Beachwalk, St. Johns — a waterfront home in St. Johns County.
Active·246 days on market·Beachwalk
492 Rum Runner Way
St. Johns, FL 32259
About this home
Beachwalk
Price Reduced!!! Resort-style living at its finest! Unlike any community in Florida where the beach is brought to you with this 14-acre, beach-entry pool! Move-In ready home looks just like a model with new appliances, lighting fixtures, flooring, bar area and many other upgrades throughout! Townhome that shares hardly any walls with the neighbor and has a large back and side yard, along with green space across the street. Beautiful view of the lake with an Eastern rear exposure! This section of Beachwalk is gated and the HOA is responsible for lawn maintenance. Gorgeous clubhouse overlooking the lagoon, which also features a full restaurant, large gym, clay tennis courts, pickleball, dog park, putting green which is sure to impress anyone that appreciates world-class amenities! All New shopping nearby, only a mile from I-95 and only about 15 minutes to the beach! Zoned for all 'A'' rated schools! Bond portion of the CDD is paid off on this
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Cost to own
Taxes & assessment
Last sold: $500,000 in February 2024(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $401,087 | $401,087 | — |
| 2024 | $421,618 | $421,618 | — |
| 2023 | $115,000 | $115,000 | — |
| 2022 | $134,400 | $132,000 | — |
| 2021 | $120,000 | $120,000 | — |
| 2020 | $110,000 | $110,000 | — |
2025 property taxes (current owner): $7,042/yr
Estimated taxes if purchased at asking price: ~$7,700/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 2023)
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 homeAs 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
- Jul 13, 2026Price change$482,000−$5,000
- Dec 26, 2025Listed$487,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Beachwalk
Beachwalk is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32259.
View all Beachwalk homes for sale →Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines