This home is in Beachwalk, St. Johns.

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Active

Active·182 days on market·Beachwalk

196 Boracay Circle

St. Johns, FL 32259

$285,000$177/sqftEst. $1,453/moMLS# 2126873

Beds

Baths

1,611

Sq Ft

2022

Built

Garage

Pool

About this home

Beachwalk

BONUS!$5,000 Crystal Lagoon initiation fee at paid by seller at closing. Live the lifestyle you deserve, where every day feels like a resort getaway. This vibrant community is centered around a 14-acre crystal-blue lagoon with white-sand beaches, a swim-up bar, kayaks, paddleboards, and a splash pad for kids. Scenic trails, on-site dining, shopping, restaurants, and top-rated schools are all right within the neighborhood--luxury and convenience wrapped into one unforgettable setting. Welcome home to this move-in-ready 2-bedroom, 2.5-bath townhome built in 2022 and designed for modern, low-maintenance living. The open-concept floor plan features upgraded flooring, a bright living area, and a thoughtfully designed kitchen with ample counter space and storage, perfect for daily living or entertaining. The spacious primary suite includes a walk-in closet and private en-suite bath. Step outside to a screened-in lanai overlooking a peaceful preserve.

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,453

Principal & Interest: $1,453

Property taxes (est.): $379

Insurance (est.): $190

Estimated Total Monthly

$2,022

*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$1,453

Property taxesest. at asking price, St. Johns County$379

HOAbilled monthly$382

Estimated total, before insurance$2,215/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,361/yr · $447/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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: $320,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$280,291	$183,910	—
2024	$283,105	$178,019	—
2023	$260,758	$171,378	—
2022	$61,600	$55,000	—
2021	$50,000	$50,000	—

2025 property taxes (current owner): $5,361/yr

Estimated taxes if purchased at asking price: ~$4,600/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 2022)

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

Price & status history

Jan 25, 2026Listed$285,000

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

Features

Price$285,000

Price / Sq Ft$177

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,611

Acres0.06 acres

Year Built2022

TypeResidential

Sub-TypeTownhouse

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Community Information

Address196 Boracay Circle, St. Johns, FL 32259

Area301-Julington Creek/Switzerland

SubdivisionBeachwalk

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32259

Lot Size2,613.6 sq ft

Parcel Number0237200400

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Dock, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewTrees/Woods