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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 waterfront home in St. Johns County.

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Active

Active·70 days on market·Beachwalk

329 Rum Runner Way

St. Johns, FL 32259

$574,900$225/sqftEst. $3,184/moMLS# 2124536
↓ $50,100 below original list
4
Beds
3
Baths
2,558
Sq Ft
2023
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $542/mo5,663 sqft lotWaterfrontTownhouse2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Beachwalk

(((SHORT SALE!, ALL OFFERS ARE SUBJECT TO BANK APPROVAL.))) Don't miss out on the chance to call this gorgeous luxury townhouse in the popular Beachwalk Community your new home! This beautifully designed residence, built in 2022, feels almost brand new and is set on a spacious lot with stunning water views. With 4 cozy bedrooms and 3 bathrooms, including smart toilets, this home has everything you need for comfortable living. Nestled in a modern gated community, the HOA fees cover exterior maintenance like lawn care, trimming, pressure washing, and you'll even have access to the lovely lagoon! Here are some highlights you'll love: - Stylish laminate flooring - A warm and inviting fireplace - A gourmet kitchen that will delight any chef, featuring upgraded appliances, a lovely backsplash, extended cabinets, a gas cooktop, a walk-in pantry, chic pendant lighting, and a shiplap-accented island that's perfect for entertaining.

Next steps in Beachwalk

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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$3,184
Property taxesest. at asking price, St. Johns County$765
HOAbilled quarterly$542
Estimated total, before insurance$4,491/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,032/yr · $669/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

$574,900
$114,980
Loan Term
Monthly Payment
$3,184
Principal & Interest: $3,184
Property taxes (est.): $765
Insurance (est.): $383
Estimated Total Monthly
$4,333
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 2023)

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

Solar potential: ~1,782 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.

Cost to own

Taxes & assessment

Last sold: $555,000 in August 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$474,597$474,597—
2024$495,217$495,217—
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): $8,032/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

History

Price & status history

  • Oct 13, 2026Price change$574,900−$10,100
  • Aug 25, 2026Price change$585,000−$14,000
  • Aug 12, 2026Price change$599,000−$10,000
  • Aug 6, 2026Price change$609,000−$16,000
  • Jan 9, 2026Listed$625,000

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 $240/sq ft; this home is listed at $225/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
439 Rum Runner Way, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTYJun 2026$492,000$2403/2.52,052240.1
228 Rum Runner Way, St. Johns, FL 32259Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2025$879,000$2854/3.53,0831290.1
413 Marquesa Circle, St. Johns, FL 32259Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$900,000$3393/2.52,6571750.3

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$574,900
Price / Sq Ft$225
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,558
Acres0.13 acres
Year Built2023
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Zoned elementaryLakeside Academy
Zoned middleLakeside Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported highBeachside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address329 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 Number0237170410

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached
Waterfront TypePond

Interior

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Additional Information

Date ListedAugust 6, 2026
Days on Market251
HOA Fees$1,626 / Quarterly
HOA FrequencyQuarterly
HOA NameAtlantica Isles at Beachwalk
Tax Amount$8,031.66
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CASSEUS REALTY CORP

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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